The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$13,544
−HK$850/mo
▼ 0.25% · 3.875%
HK$13,966
−HK$428/mo
Today · 4.125%
HK$14,394
baseline
▲ 0.50% · 4.625%
HK$15,270
+HK$876/mo
Deposit HK$2.97M · loan HK$2.97M · min. income ≈ HK$28,788/mo (50% DSR)
Upfront cash ≈ HK$3.10M (deposit + AVD stamp duty HK$133,647 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,068
−HK$814/mo
▼ 0.25% · 3.875%
HK$15,472
−HK$410/mo
Today · 4.125%
HK$15,882
baseline
▲ 0.50% · 4.625%
HK$16,719
+HK$837/mo
Deposit HK$2.97M · loan HK$2.97M · min. income ≈ HK$31,764/mo (50% DSR)
Upfront cash ≈ HK$3.10M (deposit + AVD stamp duty HK$133,647 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,253
−HK$1,019/mo
▼ 0.25% · 3.875%
HK$16,759
−HK$513/mo
Today · 4.125%
HK$17,272
baseline
▲ 0.50% · 4.625%
HK$18,323
+HK$1,051/mo
Deposit HK$2.38M · loan HK$3.56M · min. income ≈ HK$34,544/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$133,647 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,082
−HK$976/mo
▼ 0.25% · 3.875%
HK$18,566
−HK$492/mo
Today · 4.125%
HK$19,058
baseline
▲ 0.50% · 4.625%
HK$20,063
+HK$1,005/mo
Deposit HK$2.38M · loan HK$3.56M · min. income ≈ HK$38,116/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$133,647 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,962
−HK$1,189/mo
▼ 0.25% · 3.875%
HK$19,552
−HK$599/mo
Today · 4.125%
HK$20,151
baseline
▲ 0.50% · 4.625%
HK$21,377
+HK$1,226/mo
Deposit HK$1.78M · loan HK$4.16M · min. income ≈ HK$40,302/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$133,647 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,095
−HK$1,140/mo
▼ 0.25% · 3.875%
HK$21,661
−HK$574/mo
Today · 4.125%
HK$22,235
baseline
▲ 0.50% · 4.625%
HK$23,407
+HK$1,172/mo
Deposit HK$1.78M · loan HK$4.16M · min. income ≈ HK$44,470/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$133,647 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,380
−HK$1,529/mo
▼ 0.25% · 3.875%
HK$25,138
−HK$771/mo
Today · 4.125%
HK$25,909
baseline
▲ 0.50% · 4.625%
HK$27,485
+HK$1,576/mo
Deposit HK$594K · loan HK$5.35M · min. income ≈ HK$51,818/mo (50% DSR)
Upfront cash ≈ HK$728K (deposit + AVD stamp duty HK$133,647 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,122
−HK$1,466/mo
▼ 0.25% · 3.875%
HK$27,850
−HK$738/mo
Today · 4.125%
HK$28,588
baseline
▲ 0.50% · 4.625%
HK$30,095
+HK$1,507/mo
Deposit HK$594K · loan HK$5.35M · min. income ≈ HK$57,176/mo (50% DSR)
Upfront cash ≈ HK$728K (deposit + AVD stamp duty HK$133,647 · Scale 2, in force from 26 Feb 2026)
Up to 90% LTV is available for self-use properties at HK$10M or below under the Mortgage Insurance Programme (first-time buyers).