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$13,557
−HK$850/mo
▼ 0.25% · 3.875%
HK$13,978
−HK$429/mo
Today · 4.125%
HK$14,407
baseline
▲ 0.50% · 4.625%
HK$15,283
+HK$876/mo
Deposit HK$2.97M · loan HK$2.97M · min. income ≈ HK$28,814/mo (50% DSR)
Upfront cash ≈ HK$3.11M (deposit + AVD stamp duty HK$133,768 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,082
−HK$814/mo
▼ 0.25% · 3.875%
HK$15,486
−HK$410/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$133,768 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,268
−HK$1,020/mo
▼ 0.25% · 3.875%
HK$16,774
−HK$514/mo
Today · 4.125%
HK$17,288
baseline
▲ 0.50% · 4.625%
HK$18,340
+HK$1,052/mo
Deposit HK$2.38M · loan HK$3.57M · min. income ≈ HK$34,576/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$133,768 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,098
−HK$978/mo
▼ 0.25% · 3.875%
HK$18,583
−HK$493/mo
Today · 4.125%
HK$19,076
baseline
▲ 0.50% · 4.625%
HK$20,081
+HK$1,005/mo
Deposit HK$2.38M · loan HK$3.57M · min. income ≈ HK$38,152/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$133,768 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,979
−HK$1,190/mo
▼ 0.25% · 3.875%
HK$19,570
−HK$599/mo
Today · 4.125%
HK$20,169
baseline
▲ 0.50% · 4.625%
HK$21,397
+HK$1,228/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$133,768 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,114
−HK$1,141/mo
▼ 0.25% · 3.875%
HK$21,681
−HK$574/mo
Today · 4.125%
HK$22,255
baseline
▲ 0.50% · 4.625%
HK$23,428
+HK$1,173/mo
Deposit HK$1.78M · loan HK$4.16M · min. income ≈ HK$44,510/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$133,768 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,402
−HK$1,530/mo
▼ 0.25% · 3.875%
HK$25,161
−HK$771/mo
Today · 4.125%
HK$25,932
baseline
▲ 0.50% · 4.625%
HK$27,510
+HK$1,578/mo
Deposit HK$595K · loan HK$5.35M · min. income ≈ HK$51,864/mo (50% DSR)
Upfront cash ≈ HK$728K (deposit + AVD stamp duty HK$133,768 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,147
−HK$1,467/mo
▼ 0.25% · 3.875%
HK$27,875
−HK$739/mo
Today · 4.125%
HK$28,614
baseline
▲ 0.50% · 4.625%
HK$30,122
+HK$1,508/mo
Deposit HK$595K · loan HK$5.35M · min. income ≈ HK$57,228/mo (50% DSR)
Upfront cash ≈ HK$728K (deposit + AVD stamp duty HK$133,768 · 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).