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$13,556
−HK$850/mo
▼ 0.25% · 3.875%
HK$13,978
−HK$428/mo
Today · 4.125%
HK$14,406
baseline
▲ 0.50% · 4.625%
HK$15,283
+HK$877/mo
Deposit HK$2.97M · loan HK$2.97M · min. income ≈ HK$28,812/mo (50% DSR)
Upfront cash ≈ HK$3.11M (deposit + AVD stamp duty HK$133,763 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,081
−HK$815/mo
▼ 0.25% · 3.875%
HK$15,485
−HK$411/mo
Today · 4.125%
HK$15,896
baseline
▲ 0.50% · 4.625%
HK$16,734
+HK$838/mo
Deposit HK$2.97M · loan HK$2.97M · min. income ≈ HK$31,792/mo (50% DSR)
Upfront cash ≈ HK$3.11M (deposit + AVD stamp duty HK$133,763 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,267
−HK$1,020/mo
▼ 0.25% · 3.875%
HK$16,773
−HK$514/mo
Today · 4.125%
HK$17,287
baseline
▲ 0.50% · 4.625%
HK$18,339
+HK$1,052/mo
Deposit HK$2.38M · loan HK$3.57M · min. income ≈ HK$34,574/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$133,763 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,097
−HK$978/mo
▼ 0.25% · 3.875%
HK$18,583
−HK$492/mo
Today · 4.125%
HK$19,075
baseline
▲ 0.50% · 4.625%
HK$20,080
+HK$1,005/mo
Deposit HK$2.38M · loan HK$3.57M · min. income ≈ HK$38,150/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$133,763 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,979
−HK$1,190/mo
▼ 0.25% · 3.875%
HK$19,569
−HK$600/mo
Today · 4.125%
HK$20,169
baseline
▲ 0.50% · 4.625%
HK$21,396
+HK$1,227/mo
Deposit HK$1.78M · loan HK$4.16M · min. income ≈ HK$40,338/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$133,763 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,113
−HK$1,141/mo
▼ 0.25% · 3.875%
HK$21,680
−HK$574/mo
Today · 4.125%
HK$22,254
baseline
▲ 0.50% · 4.625%
HK$23,427
+HK$1,173/mo
Deposit HK$1.78M · loan HK$4.16M · min. income ≈ HK$44,508/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$133,763 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,401
−HK$1,530/mo
▼ 0.25% · 3.875%
HK$25,160
−HK$771/mo
Today · 4.125%
HK$25,931
baseline
▲ 0.50% · 4.625%
HK$27,509
+HK$1,578/mo
Deposit HK$594K · loan HK$5.35M · min. income ≈ HK$51,862/mo (50% DSR)
Upfront cash ≈ HK$728K (deposit + AVD stamp duty HK$133,763 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,146
−HK$1,466/mo
▼ 0.25% · 3.875%
HK$27,874
−HK$738/mo
Today · 4.125%
HK$28,612
baseline
▲ 0.50% · 4.625%
HK$30,121
+HK$1,509/mo
Deposit HK$594K · loan HK$5.35M · min. income ≈ HK$57,224/mo (50% DSR)
Upfront cash ≈ HK$728K (deposit + AVD stamp duty HK$133,763 · 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).