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$13,535
−HK$848/mo
▼ 0.25% · 3.875%
HK$13,956
−HK$427/mo
Today · 4.125%
HK$14,383
baseline
▲ 0.50% · 4.625%
HK$15,258
+HK$875/mo
Deposit HK$2.97M · loan HK$2.97M · min. income ≈ HK$28,766/mo (50% DSR)
Upfront cash ≈ HK$3.10M (deposit + AVD stamp duty HK$133,550 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,057
−HK$814/mo
▼ 0.25% · 3.875%
HK$15,461
−HK$410/mo
Today · 4.125%
HK$15,871
baseline
▲ 0.50% · 4.625%
HK$16,707
+HK$836/mo
Deposit HK$2.97M · loan HK$2.97M · min. income ≈ HK$31,742/mo (50% DSR)
Upfront cash ≈ HK$3.10M (deposit + AVD stamp duty HK$133,550 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,241
−HK$1,019/mo
▼ 0.25% · 3.875%
HK$16,747
−HK$513/mo
Today · 4.125%
HK$17,260
baseline
▲ 0.50% · 4.625%
HK$18,310
+HK$1,050/mo
Deposit HK$2.37M · loan HK$3.56M · min. income ≈ HK$34,520/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$133,550 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,068
−HK$977/mo
▼ 0.25% · 3.875%
HK$18,553
−HK$492/mo
Today · 4.125%
HK$19,045
baseline
▲ 0.50% · 4.625%
HK$20,048
+HK$1,003/mo
Deposit HK$2.37M · loan HK$3.56M · min. income ≈ HK$38,090/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$133,550 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,948
−HK$1,189/mo
▼ 0.25% · 3.875%
HK$19,538
−HK$599/mo
Today · 4.125%
HK$20,137
baseline
▲ 0.50% · 4.625%
HK$21,362
+HK$1,225/mo
Deposit HK$1.78M · loan HK$4.15M · min. income ≈ HK$40,274/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$133,550 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,080
−HK$1,139/mo
▼ 0.25% · 3.875%
HK$21,645
−HK$574/mo
Today · 4.125%
HK$22,219
baseline
▲ 0.50% · 4.625%
HK$23,390
+HK$1,171/mo
Deposit HK$1.78M · loan HK$4.15M · min. income ≈ HK$44,438/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$133,550 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,362
−HK$1,528/mo
▼ 0.25% · 3.875%
HK$25,120
−HK$770/mo
Today · 4.125%
HK$25,890
baseline
▲ 0.50% · 4.625%
HK$27,465
+HK$1,575/mo
Deposit HK$594K · loan HK$5.34M · min. income ≈ HK$51,780/mo (50% DSR)
Upfront cash ≈ HK$727K (deposit + AVD stamp duty HK$133,550 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,103
−HK$1,464/mo
▼ 0.25% · 3.875%
HK$27,830
−HK$737/mo
Today · 4.125%
HK$28,567
baseline
▲ 0.50% · 4.625%
HK$30,073
+HK$1,506/mo
Deposit HK$594K · loan HK$5.34M · min. income ≈ HK$57,134/mo (50% DSR)
Upfront cash ≈ HK$727K (deposit + AVD stamp duty HK$133,550 · 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).