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$13,546
−HK$849/mo
▼ 0.25% · 3.875%
HK$13,967
−HK$428/mo
Today · 4.125%
HK$14,395
baseline
▲ 0.50% · 4.625%
HK$15,271
+HK$876/mo
Deposit HK$2.97M · loan HK$2.97M · min. income ≈ HK$28,790/mo (50% DSR)
Upfront cash ≈ HK$3.10M (deposit + AVD stamp duty HK$133,662 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,070
−HK$814/mo
▼ 0.25% · 3.875%
HK$15,474
−HK$410/mo
Today · 4.125%
HK$15,884
baseline
▲ 0.50% · 4.625%
HK$16,721
+HK$837/mo
Deposit HK$2.97M · loan HK$2.97M · min. income ≈ HK$31,768/mo (50% DSR)
Upfront cash ≈ HK$3.10M (deposit + AVD stamp duty HK$133,662 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,255
−HK$1,019/mo
▼ 0.25% · 3.875%
HK$16,761
−HK$513/mo
Today · 4.125%
HK$17,274
baseline
▲ 0.50% · 4.625%
HK$18,325
+HK$1,051/mo
Deposit HK$2.38M · loan HK$3.56M · min. income ≈ HK$34,548/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$133,662 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,084
−HK$977/mo
▼ 0.25% · 3.875%
HK$18,569
−HK$492/mo
Today · 4.125%
HK$19,061
baseline
▲ 0.50% · 4.625%
HK$20,065
+HK$1,004/mo
Deposit HK$2.38M · loan HK$3.56M · min. income ≈ HK$38,122/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$133,662 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,964
−HK$1,189/mo
▼ 0.25% · 3.875%
HK$19,554
−HK$599/mo
Today · 4.125%
HK$20,153
baseline
▲ 0.50% · 4.625%
HK$21,380
+HK$1,227/mo
Deposit HK$1.78M · loan HK$4.16M · min. income ≈ HK$40,306/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$133,662 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,097
−HK$1,140/mo
▼ 0.25% · 3.875%
HK$21,663
−HK$574/mo
Today · 4.125%
HK$22,237
baseline
▲ 0.50% · 4.625%
HK$23,409
+HK$1,172/mo
Deposit HK$1.78M · loan HK$4.16M · min. income ≈ HK$44,474/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$133,662 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,383
−HK$1,529/mo
▼ 0.25% · 3.875%
HK$25,141
−HK$771/mo
Today · 4.125%
HK$25,912
baseline
▲ 0.50% · 4.625%
HK$27,488
+HK$1,576/mo
Deposit HK$594K · loan HK$5.35M · min. income ≈ HK$51,824/mo (50% DSR)
Upfront cash ≈ HK$728K (deposit + AVD stamp duty HK$133,662 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,125
−HK$1,466/mo
▼ 0.25% · 3.875%
HK$27,853
−HK$738/mo
Today · 4.125%
HK$28,591
baseline
▲ 0.50% · 4.625%
HK$30,098
+HK$1,507/mo
Deposit HK$594K · loan HK$5.35M · min. income ≈ HK$57,182/mo (50% DSR)
Upfront cash ≈ HK$728K (deposit + AVD stamp duty HK$133,662 · 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).