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$13,566
−HK$850/mo
▼ 0.25% · 3.875%
HK$13,988
−HK$428/mo
Today · 4.125%
HK$14,416
baseline
▲ 0.50% · 4.625%
HK$15,293
+HK$877/mo
Deposit HK$2.97M · loan HK$2.97M · min. income ≈ HK$28,832/mo (50% DSR)
Upfront cash ≈ HK$3.11M (deposit + AVD stamp duty HK$133,857 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,092
−HK$815/mo
▼ 0.25% · 3.875%
HK$15,496
−HK$411/mo
Today · 4.125%
HK$15,907
baseline
▲ 0.50% · 4.625%
HK$16,745
+HK$838/mo
Deposit HK$2.97M · loan HK$2.97M · min. income ≈ HK$31,814/mo (50% DSR)
Upfront cash ≈ HK$3.11M (deposit + AVD stamp duty HK$133,857 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,279
−HK$1,021/mo
▼ 0.25% · 3.875%
HK$16,785
−HK$515/mo
Today · 4.125%
HK$17,300
baseline
▲ 0.50% · 4.625%
HK$18,352
+HK$1,052/mo
Deposit HK$2.38M · loan HK$3.57M · min. income ≈ HK$34,600/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$133,857 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,110
−HK$978/mo
▼ 0.25% · 3.875%
HK$18,596
−HK$492/mo
Today · 4.125%
HK$19,088
baseline
▲ 0.50% · 4.625%
HK$20,095
+HK$1,007/mo
Deposit HK$2.38M · loan HK$3.57M · min. income ≈ HK$38,176/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$133,857 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,992
−HK$1,191/mo
▼ 0.25% · 3.875%
HK$19,583
−HK$600/mo
Today · 4.125%
HK$20,183
baseline
▲ 0.50% · 4.625%
HK$21,411
+HK$1,228/mo
Deposit HK$1.78M · loan HK$4.16M · min. income ≈ HK$40,366/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$133,857 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,128
−HK$1,142/mo
▼ 0.25% · 3.875%
HK$21,695
−HK$575/mo
Today · 4.125%
HK$22,270
baseline
▲ 0.50% · 4.625%
HK$23,444
+HK$1,174/mo
Deposit HK$1.78M · loan HK$4.16M · min. income ≈ HK$44,540/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$133,857 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,418
−HK$1,531/mo
▼ 0.25% · 3.875%
HK$25,178
−HK$771/mo
Today · 4.125%
HK$25,949
baseline
▲ 0.50% · 4.625%
HK$27,528
+HK$1,579/mo
Deposit HK$595K · loan HK$5.35M · min. income ≈ HK$51,898/mo (50% DSR)
Upfront cash ≈ HK$729K (deposit + AVD stamp duty HK$133,857 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,165
−HK$1,468/mo
▼ 0.25% · 3.875%
HK$27,893
−HK$740/mo
Today · 4.125%
HK$28,633
baseline
▲ 0.50% · 4.625%
HK$30,142
+HK$1,509/mo
Deposit HK$595K · loan HK$5.35M · min. income ≈ HK$57,266/mo (50% DSR)
Upfront cash ≈ HK$729K (deposit + AVD stamp duty HK$133,857 · 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).