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$13,523
−HK$848/mo
▼ 0.25% · 3.875%
HK$13,944
−HK$427/mo
Today · 4.125%
HK$14,371
baseline
▲ 0.50% · 4.625%
HK$15,246
+HK$875/mo
Deposit HK$2.97M · loan HK$2.97M · min. income ≈ HK$28,742/mo (50% DSR)
Upfront cash ≈ HK$3.10M (deposit + AVD stamp duty HK$133,437 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,044
−HK$813/mo
▼ 0.25% · 3.875%
HK$15,448
−HK$409/mo
Today · 4.125%
HK$15,857
baseline
▲ 0.50% · 4.625%
HK$16,693
+HK$836/mo
Deposit HK$2.97M · loan HK$2.97M · min. income ≈ HK$31,714/mo (50% DSR)
Upfront cash ≈ HK$3.10M (deposit + AVD stamp duty HK$133,437 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,228
−HK$1,017/mo
▼ 0.25% · 3.875%
HK$16,733
−HK$512/mo
Today · 4.125%
HK$17,245
baseline
▲ 0.50% · 4.625%
HK$18,295
+HK$1,050/mo
Deposit HK$2.37M · loan HK$3.56M · min. income ≈ HK$34,490/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$133,437 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,053
−HK$976/mo
▼ 0.25% · 3.875%
HK$18,537
−HK$492/mo
Today · 4.125%
HK$19,029
baseline
▲ 0.50% · 4.625%
HK$20,032
+HK$1,003/mo
Deposit HK$2.37M · loan HK$3.56M · min. income ≈ HK$38,058/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$133,437 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,932
−HK$1,188/mo
▼ 0.25% · 3.875%
HK$19,521
−HK$599/mo
Today · 4.125%
HK$20,120
baseline
▲ 0.50% · 4.625%
HK$21,344
+HK$1,224/mo
Deposit HK$1.78M · loan HK$4.15M · min. income ≈ HK$40,240/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$133,437 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,062
−HK$1,138/mo
▼ 0.25% · 3.875%
HK$21,627
−HK$573/mo
Today · 4.125%
HK$22,200
baseline
▲ 0.50% · 4.625%
HK$23,370
+HK$1,170/mo
Deposit HK$1.78M · loan HK$4.15M · min. income ≈ HK$44,400/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$133,437 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,342
−HK$1,526/mo
▼ 0.25% · 3.875%
HK$25,099
−HK$769/mo
Today · 4.125%
HK$25,868
baseline
▲ 0.50% · 4.625%
HK$27,442
+HK$1,574/mo
Deposit HK$593K · loan HK$5.34M · min. income ≈ HK$51,736/mo (50% DSR)
Upfront cash ≈ HK$726K (deposit + AVD stamp duty HK$133,437 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,080
−HK$1,463/mo
▼ 0.25% · 3.875%
HK$27,806
−HK$737/mo
Today · 4.125%
HK$28,543
baseline
▲ 0.50% · 4.625%
HK$30,047
+HK$1,504/mo
Deposit HK$593K · loan HK$5.34M · min. income ≈ HK$57,086/mo (50% DSR)
Upfront cash ≈ HK$726K (deposit + AVD stamp duty HK$133,437 · 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).