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$13,533
−HK$849/mo
▼ 0.25% · 3.875%
HK$13,954
−HK$428/mo
Today · 4.125%
HK$14,382
baseline
▲ 0.50% · 4.625%
HK$15,257
+HK$875/mo
Deposit HK$2.97M · loan HK$2.97M · min. income ≈ HK$28,764/mo (50% DSR)
Upfront cash ≈ HK$3.10M (deposit + AVD stamp duty HK$133,539 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,056
−HK$813/mo
▼ 0.25% · 3.875%
HK$15,460
−HK$409/mo
Today · 4.125%
HK$15,869
baseline
▲ 0.50% · 4.625%
HK$16,706
+HK$837/mo
Deposit HK$2.97M · loan HK$2.97M · min. income ≈ HK$31,738/mo (50% DSR)
Upfront cash ≈ HK$3.10M (deposit + AVD stamp duty HK$133,539 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,240
−HK$1,018/mo
▼ 0.25% · 3.875%
HK$16,745
−HK$513/mo
Today · 4.125%
HK$17,258
baseline
▲ 0.50% · 4.625%
HK$18,309
+HK$1,051/mo
Deposit HK$2.37M · loan HK$3.56M · min. income ≈ HK$34,516/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$133,539 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,067
−HK$976/mo
▼ 0.25% · 3.875%
HK$18,551
−HK$492/mo
Today · 4.125%
HK$19,043
baseline
▲ 0.50% · 4.625%
HK$20,047
+HK$1,004/mo
Deposit HK$2.37M · loan HK$3.56M · min. income ≈ HK$38,086/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$133,539 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,947
−HK$1,188/mo
▼ 0.25% · 3.875%
HK$19,536
−HK$599/mo
Today · 4.125%
HK$20,135
baseline
▲ 0.50% · 4.625%
HK$21,360
+HK$1,225/mo
Deposit HK$1.78M · loan HK$4.15M · min. income ≈ HK$40,270/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$133,539 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,078
−HK$1,139/mo
▼ 0.25% · 3.875%
HK$21,643
−HK$574/mo
Today · 4.125%
HK$22,217
baseline
▲ 0.50% · 4.625%
HK$23,388
+HK$1,171/mo
Deposit HK$1.78M · loan HK$4.15M · min. income ≈ HK$44,434/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$133,539 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,360
−HK$1,528/mo
▼ 0.25% · 3.875%
HK$25,118
−HK$770/mo
Today · 4.125%
HK$25,888
baseline
▲ 0.50% · 4.625%
HK$27,463
+HK$1,575/mo
Deposit HK$594K · loan HK$5.34M · min. income ≈ HK$51,776/mo (50% DSR)
Upfront cash ≈ HK$727K (deposit + AVD stamp duty HK$133,539 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,100
−HK$1,465/mo
▼ 0.25% · 3.875%
HK$27,827
−HK$738/mo
Today · 4.125%
HK$28,565
baseline
▲ 0.50% · 4.625%
HK$30,070
+HK$1,505/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$133,539 · 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).