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$13,538
−HK$848/mo
▼ 0.25% · 3.875%
HK$13,959
−HK$427/mo
Today · 4.125%
HK$14,386
baseline
▲ 0.50% · 4.625%
HK$15,262
+HK$876/mo
Deposit HK$2.97M · loan HK$2.97M · min. income ≈ HK$28,772/mo (50% DSR)
Upfront cash ≈ HK$3.10M (deposit + AVD stamp duty HK$133,580 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,060
−HK$814/mo
▼ 0.25% · 3.875%
HK$15,464
−HK$410/mo
Today · 4.125%
HK$15,874
baseline
▲ 0.50% · 4.625%
HK$16,711
+HK$837/mo
Deposit HK$2.97M · loan HK$2.97M · min. income ≈ HK$31,748/mo (50% DSR)
Upfront cash ≈ HK$3.10M (deposit + AVD stamp duty HK$133,580 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,245
−HK$1,019/mo
▼ 0.25% · 3.875%
HK$16,750
−HK$514/mo
Today · 4.125%
HK$17,264
baseline
▲ 0.50% · 4.625%
HK$18,314
+HK$1,050/mo
Deposit HK$2.37M · loan HK$3.56M · min. income ≈ HK$34,528/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$133,580 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,072
−HK$977/mo
▼ 0.25% · 3.875%
HK$18,557
−HK$492/mo
Today · 4.125%
HK$19,049
baseline
▲ 0.50% · 4.625%
HK$20,053
+HK$1,004/mo
Deposit HK$2.37M · loan HK$3.56M · min. income ≈ HK$38,098/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$133,580 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,953
−HK$1,188/mo
▼ 0.25% · 3.875%
HK$19,542
−HK$599/mo
Today · 4.125%
HK$20,141
baseline
▲ 0.50% · 4.625%
HK$21,367
+HK$1,226/mo
Deposit HK$1.78M · loan HK$4.16M · min. income ≈ HK$40,282/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$133,580 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,085
−HK$1,139/mo
▼ 0.25% · 3.875%
HK$21,650
−HK$574/mo
Today · 4.125%
HK$22,224
baseline
▲ 0.50% · 4.625%
HK$23,395
+HK$1,171/mo
Deposit HK$1.78M · loan HK$4.16M · min. income ≈ HK$44,448/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$133,580 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,368
−HK$1,528/mo
▼ 0.25% · 3.875%
HK$25,126
−HK$770/mo
Today · 4.125%
HK$25,896
baseline
▲ 0.50% · 4.625%
HK$27,471
+HK$1,575/mo
Deposit HK$594K · loan HK$5.34M · min. income ≈ HK$51,792/mo (50% DSR)
Upfront cash ≈ HK$727K (deposit + AVD stamp duty HK$133,580 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,109
−HK$1,464/mo
▼ 0.25% · 3.875%
HK$27,836
−HK$737/mo
Today · 4.125%
HK$28,573
baseline
▲ 0.50% · 4.625%
HK$30,079
+HK$1,506/mo
Deposit HK$594K · loan HK$5.34M · min. income ≈ HK$57,146/mo (50% DSR)
Upfront cash ≈ HK$727K (deposit + AVD stamp duty HK$133,580 · 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).