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$13,530
−HK$849/mo
▼ 0.25% · 3.875%
HK$13,951
−HK$428/mo
Today · 4.125%
HK$14,379
baseline
▲ 0.50% · 4.625%
HK$15,254
+HK$875/mo
Deposit HK$2.97M · loan HK$2.97M · min. income ≈ HK$28,758/mo (50% DSR)
Upfront cash ≈ HK$3.10M (deposit + AVD stamp duty HK$133,508 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,052
−HK$814/mo
▼ 0.25% · 3.875%
HK$15,456
−HK$410/mo
Today · 4.125%
HK$15,866
baseline
▲ 0.50% · 4.625%
HK$16,702
+HK$836/mo
Deposit HK$2.97M · loan HK$2.97M · min. income ≈ HK$31,732/mo (50% DSR)
Upfront cash ≈ HK$3.10M (deposit + AVD stamp duty HK$133,508 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,236
−HK$1,019/mo
▼ 0.25% · 3.875%
HK$16,741
−HK$514/mo
Today · 4.125%
HK$17,255
baseline
▲ 0.50% · 4.625%
HK$18,304
+HK$1,049/mo
Deposit HK$2.37M · loan HK$3.56M · min. income ≈ HK$34,510/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$133,508 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,063
−HK$976/mo
▼ 0.25% · 3.875%
HK$18,547
−HK$492/mo
Today · 4.125%
HK$19,039
baseline
▲ 0.50% · 4.625%
HK$20,042
+HK$1,003/mo
Deposit HK$2.37M · loan HK$3.56M · min. income ≈ HK$38,078/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$133,508 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,942
−HK$1,188/mo
▼ 0.25% · 3.875%
HK$19,532
−HK$598/mo
Today · 4.125%
HK$20,130
baseline
▲ 0.50% · 4.625%
HK$21,355
+HK$1,225/mo
Deposit HK$1.78M · loan HK$4.15M · min. income ≈ HK$40,260/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$133,508 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,073
−HK$1,139/mo
▼ 0.25% · 3.875%
HK$21,638
−HK$574/mo
Today · 4.125%
HK$22,212
baseline
▲ 0.50% · 4.625%
HK$23,383
+HK$1,171/mo
Deposit HK$1.78M · loan HK$4.15M · min. income ≈ HK$44,424/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$133,508 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,355
−HK$1,527/mo
▼ 0.25% · 3.875%
HK$25,112
−HK$770/mo
Today · 4.125%
HK$25,882
baseline
▲ 0.50% · 4.625%
HK$27,457
+HK$1,575/mo
Deposit HK$593K · loan HK$5.34M · min. income ≈ HK$51,764/mo (50% DSR)
Upfront cash ≈ HK$727K (deposit + AVD stamp duty HK$133,508 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,094
−HK$1,464/mo
▼ 0.25% · 3.875%
HK$27,821
−HK$737/mo
Today · 4.125%
HK$28,558
baseline
▲ 0.50% · 4.625%
HK$30,063
+HK$1,505/mo
Deposit HK$593K · loan HK$5.34M · min. income ≈ HK$57,116/mo (50% DSR)
Upfront cash ≈ HK$727K (deposit + AVD stamp duty HK$133,508 · 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).