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$13,525
−HK$848/mo
▼ 0.25% · 3.875%
HK$13,946
−HK$427/mo
Today · 4.125%
HK$14,373
baseline
▲ 0.50% · 4.625%
HK$15,248
+HK$875/mo
Deposit HK$2.97M · loan HK$2.97M · min. income ≈ HK$28,746/mo (50% DSR)
Upfront cash ≈ HK$3.10M (deposit + AVD stamp duty HK$133,458 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,047
−HK$813/mo
▼ 0.25% · 3.875%
HK$15,450
−HK$410/mo
Today · 4.125%
HK$15,860
baseline
▲ 0.50% · 4.625%
HK$16,696
+HK$836/mo
Deposit HK$2.97M · loan HK$2.97M · min. income ≈ HK$31,720/mo (50% DSR)
Upfront cash ≈ HK$3.10M (deposit + AVD stamp duty HK$133,458 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,230
−HK$1,018/mo
▼ 0.25% · 3.875%
HK$16,735
−HK$513/mo
Today · 4.125%
HK$17,248
baseline
▲ 0.50% · 4.625%
HK$18,298
+HK$1,050/mo
Deposit HK$2.37M · loan HK$3.56M · min. income ≈ HK$34,496/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$133,458 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,056
−HK$976/mo
▼ 0.25% · 3.875%
HK$18,540
−HK$492/mo
Today · 4.125%
HK$19,032
baseline
▲ 0.50% · 4.625%
HK$20,035
+HK$1,003/mo
Deposit HK$2.37M · loan HK$3.56M · min. income ≈ HK$38,064/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$133,458 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,935
−HK$1,188/mo
▼ 0.25% · 3.875%
HK$19,524
−HK$599/mo
Today · 4.125%
HK$20,123
baseline
▲ 0.50% · 4.625%
HK$21,347
+HK$1,224/mo
Deposit HK$1.78M · loan HK$4.15M · min. income ≈ HK$40,246/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$133,458 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,065
−HK$1,138/mo
▼ 0.25% · 3.875%
HK$21,630
−HK$573/mo
Today · 4.125%
HK$22,203
baseline
▲ 0.50% · 4.625%
HK$23,374
+HK$1,171/mo
Deposit HK$1.78M · loan HK$4.15M · min. income ≈ HK$44,406/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$133,458 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,345
−HK$1,527/mo
▼ 0.25% · 3.875%
HK$25,103
−HK$769/mo
Today · 4.125%
HK$25,872
baseline
▲ 0.50% · 4.625%
HK$27,446
+HK$1,574/mo
Deposit HK$593K · loan HK$5.34M · min. income ≈ HK$51,744/mo (50% DSR)
Upfront cash ≈ HK$727K (deposit + AVD stamp duty HK$133,458 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,084
−HK$1,463/mo
▼ 0.25% · 3.875%
HK$27,810
−HK$737/mo
Today · 4.125%
HK$28,547
baseline
▲ 0.50% · 4.625%
HK$30,052
+HK$1,505/mo
Deposit HK$593K · loan HK$5.34M · min. income ≈ HK$57,094/mo (50% DSR)
Upfront cash ≈ HK$727K (deposit + AVD stamp duty HK$133,458 · 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).