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$13,560
−HK$851/mo
▼ 0.25% · 3.875%
HK$13,982
−HK$429/mo
Today · 4.125%
HK$14,411
baseline
▲ 0.50% · 4.625%
HK$15,287
+HK$876/mo
Deposit HK$2.97M · loan HK$2.97M · min. income ≈ HK$28,822/mo (50% DSR)
Upfront cash ≈ HK$3.11M (deposit + AVD stamp duty HK$133,803 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,086
−HK$815/mo
▼ 0.25% · 3.875%
HK$15,490
−HK$411/mo
Today · 4.125%
HK$15,901
baseline
▲ 0.50% · 4.625%
HK$16,739
+HK$838/mo
Deposit HK$2.97M · loan HK$2.97M · min. income ≈ HK$31,802/mo (50% DSR)
Upfront cash ≈ HK$3.11M (deposit + AVD stamp duty HK$133,803 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,272
−HK$1,021/mo
▼ 0.25% · 3.875%
HK$16,778
−HK$515/mo
Today · 4.125%
HK$17,293
baseline
▲ 0.50% · 4.625%
HK$18,345
+HK$1,052/mo
Deposit HK$2.38M · loan HK$3.57M · min. income ≈ HK$34,586/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$133,803 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,103
−HK$978/mo
▼ 0.25% · 3.875%
HK$18,588
−HK$493/mo
Today · 4.125%
HK$19,081
baseline
▲ 0.50% · 4.625%
HK$20,087
+HK$1,006/mo
Deposit HK$2.38M · loan HK$3.57M · min. income ≈ HK$38,162/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$133,803 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,984
−HK$1,191/mo
▼ 0.25% · 3.875%
HK$19,575
−HK$600/mo
Today · 4.125%
HK$20,175
baseline
▲ 0.50% · 4.625%
HK$21,402
+HK$1,227/mo
Deposit HK$1.78M · loan HK$4.16M · min. income ≈ HK$40,350/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$133,803 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,120
−HK$1,141/mo
▼ 0.25% · 3.875%
HK$21,686
−HK$575/mo
Today · 4.125%
HK$22,261
baseline
▲ 0.50% · 4.625%
HK$23,434
+HK$1,173/mo
Deposit HK$1.78M · loan HK$4.16M · min. income ≈ HK$44,522/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$133,803 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,408
−HK$1,531/mo
▼ 0.25% · 3.875%
HK$25,168
−HK$771/mo
Today · 4.125%
HK$25,939
baseline
▲ 0.50% · 4.625%
HK$27,517
+HK$1,578/mo
Deposit HK$595K · loan HK$5.35M · min. income ≈ HK$51,878/mo (50% DSR)
Upfront cash ≈ HK$728K (deposit + AVD stamp duty HK$133,803 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,154
−HK$1,467/mo
▼ 0.25% · 3.875%
HK$27,882
−HK$739/mo
Today · 4.125%
HK$28,621
baseline
▲ 0.50% · 4.625%
HK$30,130
+HK$1,509/mo
Deposit HK$595K · loan HK$5.35M · min. income ≈ HK$57,242/mo (50% DSR)
Upfront cash ≈ HK$728K (deposit + AVD stamp duty HK$133,803 · 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).