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$13,526
−HK$848/mo
▼ 0.25% · 3.875%
HK$13,946
−HK$428/mo
Today · 4.125%
HK$14,374
baseline
▲ 0.50% · 4.625%
HK$15,248
+HK$874/mo
Deposit HK$2.97M · loan HK$2.97M · min. income ≈ HK$28,748/mo (50% DSR)
Upfront cash ≈ HK$3.10M (deposit + AVD stamp duty HK$133,462 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,047
−HK$813/mo
▼ 0.25% · 3.875%
HK$15,451
−HK$409/mo
Today · 4.125%
HK$15,860
baseline
▲ 0.50% · 4.625%
HK$16,696
+HK$836/mo
Deposit HK$2.97M · loan HK$2.97M · min. income ≈ HK$31,720/mo (50% DSR)
Upfront cash ≈ HK$3.10M (deposit + AVD stamp duty HK$133,462 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,231
−HK$1,018/mo
▼ 0.25% · 3.875%
HK$16,736
−HK$513/mo
Today · 4.125%
HK$17,249
baseline
▲ 0.50% · 4.625%
HK$18,298
+HK$1,049/mo
Deposit HK$2.37M · loan HK$3.56M · min. income ≈ HK$34,498/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$133,462 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,057
−HK$975/mo
▼ 0.25% · 3.875%
HK$18,541
−HK$491/mo
Today · 4.125%
HK$19,032
baseline
▲ 0.50% · 4.625%
HK$20,035
+HK$1,003/mo
Deposit HK$2.37M · loan HK$3.56M · min. income ≈ HK$38,064/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$133,462 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,936
−HK$1,187/mo
▼ 0.25% · 3.875%
HK$19,525
−HK$598/mo
Today · 4.125%
HK$20,123
baseline
▲ 0.50% · 4.625%
HK$21,348
+HK$1,225/mo
Deposit HK$1.78M · loan HK$4.15M · min. income ≈ HK$40,246/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$133,462 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,066
−HK$1,138/mo
▼ 0.25% · 3.875%
HK$21,631
−HK$573/mo
Today · 4.125%
HK$22,204
baseline
▲ 0.50% · 4.625%
HK$23,375
+HK$1,171/mo
Deposit HK$1.78M · loan HK$4.15M · min. income ≈ HK$44,408/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$133,462 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,346
−HK$1,527/mo
▼ 0.25% · 3.875%
HK$25,103
−HK$770/mo
Today · 4.125%
HK$25,873
baseline
▲ 0.50% · 4.625%
HK$27,447
+HK$1,574/mo
Deposit HK$593K · loan HK$5.34M · min. income ≈ HK$51,746/mo (50% DSR)
Upfront cash ≈ HK$727K (deposit + AVD stamp duty HK$133,462 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,085
−HK$1,463/mo
▼ 0.25% · 3.875%
HK$27,811
−HK$737/mo
Today · 4.125%
HK$28,548
baseline
▲ 0.50% · 4.625%
HK$30,053
+HK$1,505/mo
Deposit HK$593K · loan HK$5.34M · min. income ≈ HK$57,096/mo (50% DSR)
Upfront cash ≈ HK$727K (deposit + AVD stamp duty HK$133,462 · 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).