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$13,536
−HK$849/mo
▼ 0.25% · 3.875%
HK$13,957
−HK$428/mo
Today · 4.125%
HK$14,385
baseline
▲ 0.50% · 4.625%
HK$15,261
+HK$876/mo
Deposit HK$2.97M · loan HK$2.97M · min. income ≈ HK$28,770/mo (50% DSR)
Upfront cash ≈ HK$3.10M (deposit + AVD stamp duty HK$133,569 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,059
−HK$814/mo
▼ 0.25% · 3.875%
HK$15,463
−HK$410/mo
Today · 4.125%
HK$15,873
baseline
▲ 0.50% · 4.625%
HK$16,709
+HK$836/mo
Deposit HK$2.97M · loan HK$2.97M · min. income ≈ HK$31,746/mo (50% DSR)
Upfront cash ≈ HK$3.10M (deposit + AVD stamp duty HK$133,569 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,244
−HK$1,018/mo
▼ 0.25% · 3.875%
HK$16,749
−HK$513/mo
Today · 4.125%
HK$17,262
baseline
▲ 0.50% · 4.625%
HK$18,313
+HK$1,051/mo
Deposit HK$2.37M · loan HK$3.56M · min. income ≈ HK$34,524/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$133,569 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,071
−HK$976/mo
▼ 0.25% · 3.875%
HK$18,556
−HK$491/mo
Today · 4.125%
HK$19,047
baseline
▲ 0.50% · 4.625%
HK$20,051
+HK$1,004/mo
Deposit HK$2.37M · loan HK$3.56M · min. income ≈ HK$38,094/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$133,569 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,951
−HK$1,188/mo
▼ 0.25% · 3.875%
HK$19,540
−HK$599/mo
Today · 4.125%
HK$20,139
baseline
▲ 0.50% · 4.625%
HK$21,365
+HK$1,226/mo
Deposit HK$1.78M · loan HK$4.16M · min. income ≈ HK$40,278/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$133,569 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,083
−HK$1,139/mo
▼ 0.25% · 3.875%
HK$21,648
−HK$574/mo
Today · 4.125%
HK$22,222
baseline
▲ 0.50% · 4.625%
HK$23,393
+HK$1,171/mo
Deposit HK$1.78M · loan HK$4.16M · min. income ≈ HK$44,444/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$133,569 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,366
−HK$1,528/mo
▼ 0.25% · 3.875%
HK$25,123
−HK$771/mo
Today · 4.125%
HK$25,894
baseline
▲ 0.50% · 4.625%
HK$27,469
+HK$1,575/mo
Deposit HK$594K · loan HK$5.34M · min. income ≈ HK$51,788/mo (50% DSR)
Upfront cash ≈ HK$727K (deposit + AVD stamp duty HK$133,569 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,106
−HK$1,465/mo
▼ 0.25% · 3.875%
HK$27,833
−HK$738/mo
Today · 4.125%
HK$28,571
baseline
▲ 0.50% · 4.625%
HK$30,077
+HK$1,506/mo
Deposit HK$594K · loan HK$5.34M · min. income ≈ HK$57,142/mo (50% DSR)
Upfront cash ≈ HK$727K (deposit + AVD stamp duty HK$133,569 · 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).