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$13,534
−HK$849/mo
▼ 0.25% · 3.875%
HK$13,955
−HK$428/mo
Today · 4.125%
HK$14,383
baseline
▲ 0.50% · 4.625%
HK$15,258
+HK$875/mo
Deposit HK$2.97M · loan HK$2.97M · min. income ≈ HK$28,766/mo (50% DSR)
Upfront cash ≈ HK$3.10M (deposit + AVD stamp duty HK$133,543 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,056
−HK$814/mo
▼ 0.25% · 3.875%
HK$15,460
−HK$410/mo
Today · 4.125%
HK$15,870
baseline
▲ 0.50% · 4.625%
HK$16,706
+HK$836/mo
Deposit HK$2.97M · loan HK$2.97M · min. income ≈ HK$31,740/mo (50% DSR)
Upfront cash ≈ HK$3.10M (deposit + AVD stamp duty HK$133,543 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,241
−HK$1,018/mo
▼ 0.25% · 3.875%
HK$16,746
−HK$513/mo
Today · 4.125%
HK$17,259
baseline
▲ 0.50% · 4.625%
HK$18,309
+HK$1,050/mo
Deposit HK$2.37M · loan HK$3.56M · min. income ≈ HK$34,518/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$133,543 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,067
−HK$977/mo
▼ 0.25% · 3.875%
HK$18,552
−HK$492/mo
Today · 4.125%
HK$19,044
baseline
▲ 0.50% · 4.625%
HK$20,047
+HK$1,003/mo
Deposit HK$2.37M · loan HK$3.56M · min. income ≈ HK$38,088/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$133,543 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,947
−HK$1,189/mo
▼ 0.25% · 3.875%
HK$19,537
−HK$599/mo
Today · 4.125%
HK$20,136
baseline
▲ 0.50% · 4.625%
HK$21,361
+HK$1,225/mo
Deposit HK$1.78M · loan HK$4.15M · min. income ≈ HK$40,272/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$133,543 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,079
−HK$1,139/mo
▼ 0.25% · 3.875%
HK$21,644
−HK$574/mo
Today · 4.125%
HK$22,218
baseline
▲ 0.50% · 4.625%
HK$23,389
+HK$1,171/mo
Deposit HK$1.78M · loan HK$4.15M · min. income ≈ HK$44,436/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$133,543 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,361
−HK$1,528/mo
▼ 0.25% · 3.875%
HK$25,119
−HK$770/mo
Today · 4.125%
HK$25,889
baseline
▲ 0.50% · 4.625%
HK$27,464
+HK$1,575/mo
Deposit HK$594K · loan HK$5.34M · min. income ≈ HK$51,778/mo (50% DSR)
Upfront cash ≈ HK$727K (deposit + AVD stamp duty HK$133,543 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,101
−HK$1,464/mo
▼ 0.25% · 3.875%
HK$27,828
−HK$737/mo
Today · 4.125%
HK$28,565
baseline
▲ 0.50% · 4.625%
HK$30,071
+HK$1,506/mo
Deposit HK$594K · loan HK$5.34M · min. income ≈ HK$57,130/mo (50% DSR)
Upfront cash ≈ HK$727K (deposit + AVD stamp duty HK$133,543 · 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).