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$13,552
−HK$850/mo
▼ 0.25% · 3.875%
HK$13,973
−HK$429/mo
Today · 4.125%
HK$14,402
baseline
▲ 0.50% · 4.625%
HK$15,278
+HK$876/mo
Deposit HK$2.97M · loan HK$2.97M · min. income ≈ HK$28,804/mo (50% DSR)
Upfront cash ≈ HK$3.11M (deposit + AVD stamp duty HK$133,721 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,076
−HK$815/mo
▼ 0.25% · 3.875%
HK$15,481
−HK$410/mo
Today · 4.125%
HK$15,891
baseline
▲ 0.50% · 4.625%
HK$16,728
+HK$837/mo
Deposit HK$2.97M · loan HK$2.97M · min. income ≈ HK$31,782/mo (50% DSR)
Upfront cash ≈ HK$3.11M (deposit + AVD stamp duty HK$133,721 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,262
−HK$1,020/mo
▼ 0.25% · 3.875%
HK$16,768
−HK$514/mo
Today · 4.125%
HK$17,282
baseline
▲ 0.50% · 4.625%
HK$18,334
+HK$1,052/mo
Deposit HK$2.38M · loan HK$3.57M · min. income ≈ HK$34,564/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$133,721 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,092
−HK$977/mo
▼ 0.25% · 3.875%
HK$18,577
−HK$492/mo
Today · 4.125%
HK$19,069
baseline
▲ 0.50% · 4.625%
HK$20,074
+HK$1,005/mo
Deposit HK$2.38M · loan HK$3.57M · min. income ≈ HK$38,138/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$133,721 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,973
−HK$1,189/mo
▼ 0.25% · 3.875%
HK$19,563
−HK$599/mo
Today · 4.125%
HK$20,162
baseline
▲ 0.50% · 4.625%
HK$21,389
+HK$1,227/mo
Deposit HK$1.78M · loan HK$4.16M · min. income ≈ HK$40,324/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$133,721 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,107
−HK$1,140/mo
▼ 0.25% · 3.875%
HK$21,673
−HK$574/mo
Today · 4.125%
HK$22,247
baseline
▲ 0.50% · 4.625%
HK$23,420
+HK$1,173/mo
Deposit HK$1.78M · loan HK$4.16M · min. income ≈ HK$44,494/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$133,721 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,393
−HK$1,530/mo
▼ 0.25% · 3.875%
HK$25,152
−HK$771/mo
Today · 4.125%
HK$25,923
baseline
▲ 0.50% · 4.625%
HK$27,500
+HK$1,577/mo
Deposit HK$594K · loan HK$5.35M · min. income ≈ HK$51,846/mo (50% DSR)
Upfront cash ≈ HK$728K (deposit + AVD stamp duty HK$133,721 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,137
−HK$1,466/mo
▼ 0.25% · 3.875%
HK$27,865
−HK$738/mo
Today · 4.125%
HK$28,603
baseline
▲ 0.50% · 4.625%
HK$30,111
+HK$1,508/mo
Deposit HK$594K · loan HK$5.35M · min. income ≈ HK$57,206/mo (50% DSR)
Upfront cash ≈ HK$728K (deposit + AVD stamp duty HK$133,721 · 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).