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$13,527
−HK$848/mo
▼ 0.25% · 3.875%
HK$13,948
−HK$427/mo
Today · 4.125%
HK$14,375
baseline
▲ 0.50% · 4.625%
HK$15,250
+HK$875/mo
Deposit HK$2.97M · loan HK$2.97M · min. income ≈ HK$28,750/mo (50% DSR)
Upfront cash ≈ HK$3.10M (deposit + AVD stamp duty HK$133,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,049
−HK$813/mo
▼ 0.25% · 3.875%
HK$15,452
−HK$410/mo
Today · 4.125%
HK$15,862
baseline
▲ 0.50% · 4.625%
HK$16,698
+HK$836/mo
Deposit HK$2.97M · loan HK$2.97M · min. income ≈ HK$31,724/mo (50% DSR)
Upfront cash ≈ HK$3.10M (deposit + AVD stamp duty HK$133,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,232
−HK$1,018/mo
▼ 0.25% · 3.875%
HK$16,737
−HK$513/mo
Today · 4.125%
HK$17,250
baseline
▲ 0.50% · 4.625%
HK$18,300
+HK$1,050/mo
Deposit HK$2.37M · loan HK$3.56M · min. income ≈ HK$34,500/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$133,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,058
−HK$976/mo
▼ 0.25% · 3.875%
HK$18,543
−HK$491/mo
Today · 4.125%
HK$19,034
baseline
▲ 0.50% · 4.625%
HK$20,037
+HK$1,003/mo
Deposit HK$2.37M · loan HK$3.56M · min. income ≈ HK$38,068/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$133,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,938
−HK$1,187/mo
▼ 0.25% · 3.875%
HK$19,527
−HK$598/mo
Today · 4.125%
HK$20,125
baseline
▲ 0.50% · 4.625%
HK$21,350
+HK$1,225/mo
Deposit HK$1.78M · loan HK$4.15M · min. income ≈ HK$40,250/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$133,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,068
−HK$1,138/mo
▼ 0.25% · 3.875%
HK$21,633
−HK$573/mo
Today · 4.125%
HK$22,206
baseline
▲ 0.50% · 4.625%
HK$23,377
+HK$1,171/mo
Deposit HK$1.78M · loan HK$4.15M · min. income ≈ HK$44,412/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$133,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,348
−HK$1,527/mo
▼ 0.25% · 3.875%
HK$25,106
−HK$769/mo
Today · 4.125%
HK$25,875
baseline
▲ 0.50% · 4.625%
HK$27,450
+HK$1,575/mo
Deposit HK$593K · loan HK$5.34M · min. income ≈ HK$51,750/mo (50% DSR)
Upfront cash ≈ HK$727K (deposit + AVD stamp duty HK$133,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,087
−HK$1,464/mo
▼ 0.25% · 3.875%
HK$27,814
−HK$737/mo
Today · 4.125%
HK$28,551
baseline
▲ 0.50% · 4.625%
HK$30,056
+HK$1,505/mo
Deposit HK$593K · loan HK$5.34M · min. income ≈ HK$57,102/mo (50% DSR)
Upfront cash ≈ HK$727K (deposit + AVD stamp duty HK$133,474 · 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).