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$13,539
−HK$849/mo
▼ 0.25% · 3.875%
HK$13,960
−HK$428/mo
Today · 4.125%
HK$14,388
baseline
▲ 0.50% · 4.625%
HK$15,263
+HK$875/mo
Deposit HK$2.97M · loan HK$2.97M · min. income ≈ HK$28,776/mo (50% DSR)
Upfront cash ≈ HK$3.10M (deposit + AVD stamp duty HK$133,590 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,062
−HK$813/mo
▼ 0.25% · 3.875%
HK$15,465
−HK$410/mo
Today · 4.125%
HK$15,875
baseline
▲ 0.50% · 4.625%
HK$16,712
+HK$837/mo
Deposit HK$2.97M · loan HK$2.97M · min. income ≈ HK$31,750/mo (50% DSR)
Upfront cash ≈ HK$3.10M (deposit + AVD stamp duty HK$133,590 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,246
−HK$1,019/mo
▼ 0.25% · 3.875%
HK$16,752
−HK$513/mo
Today · 4.125%
HK$17,265
baseline
▲ 0.50% · 4.625%
HK$18,316
+HK$1,051/mo
Deposit HK$2.37M · loan HK$3.56M · min. income ≈ HK$34,530/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$133,590 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,074
−HK$976/mo
▼ 0.25% · 3.875%
HK$18,559
−HK$491/mo
Today · 4.125%
HK$19,050
baseline
▲ 0.50% · 4.625%
HK$20,054
+HK$1,004/mo
Deposit HK$2.37M · loan HK$3.56M · min. income ≈ HK$38,100/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$133,590 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,954
−HK$1,189/mo
▼ 0.25% · 3.875%
HK$19,544
−HK$599/mo
Today · 4.125%
HK$20,143
baseline
▲ 0.50% · 4.625%
HK$21,368
+HK$1,225/mo
Deposit HK$1.78M · loan HK$4.16M · min. income ≈ HK$40,286/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$133,590 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,086
−HK$1,139/mo
▼ 0.25% · 3.875%
HK$21,652
−HK$573/mo
Today · 4.125%
HK$22,225
baseline
▲ 0.50% · 4.625%
HK$23,397
+HK$1,172/mo
Deposit HK$1.78M · loan HK$4.16M · min. income ≈ HK$44,450/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$133,590 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,369
−HK$1,529/mo
▼ 0.25% · 3.875%
HK$25,127
−HK$771/mo
Today · 4.125%
HK$25,898
baseline
▲ 0.50% · 4.625%
HK$27,473
+HK$1,575/mo
Deposit HK$594K · loan HK$5.34M · min. income ≈ HK$51,796/mo (50% DSR)
Upfront cash ≈ HK$727K (deposit + AVD stamp duty HK$133,590 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,111
−HK$1,464/mo
▼ 0.25% · 3.875%
HK$27,838
−HK$737/mo
Today · 4.125%
HK$28,575
baseline
▲ 0.50% · 4.625%
HK$30,082
+HK$1,507/mo
Deposit HK$594K · loan HK$5.34M · min. income ≈ HK$57,150/mo (50% DSR)
Upfront cash ≈ HK$727K (deposit + AVD stamp duty HK$133,590 · 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).