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$848/mo
▼ 0.25% · 3.875%
HK$13,954
−HK$427/mo
Today · 4.125%
HK$14,381
baseline
▲ 0.50% · 4.625%
HK$15,257
+HK$876/mo
Deposit HK$2.97M · loan HK$2.97M · min. income ≈ HK$28,762/mo (50% DSR)
Upfront cash ≈ HK$3.10M (deposit + AVD stamp duty HK$133,533 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,055
−HK$813/mo
▼ 0.25% · 3.875%
HK$15,459
−HK$409/mo
Today · 4.125%
HK$15,868
baseline
▲ 0.50% · 4.625%
HK$16,705
+HK$837/mo
Deposit HK$2.97M · loan HK$2.97M · min. income ≈ HK$31,736/mo (50% DSR)
Upfront cash ≈ HK$3.10M (deposit + AVD stamp duty HK$133,533 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,239
−HK$1,019/mo
▼ 0.25% · 3.875%
HK$16,745
−HK$513/mo
Today · 4.125%
HK$17,258
baseline
▲ 0.50% · 4.625%
HK$18,308
+HK$1,050/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$133,533 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,066
−HK$976/mo
▼ 0.25% · 3.875%
HK$18,551
−HK$491/mo
Today · 4.125%
HK$19,042
baseline
▲ 0.50% · 4.625%
HK$20,046
+HK$1,004/mo
Deposit HK$2.37M · loan HK$3.56M · min. income ≈ HK$38,084/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$133,533 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,946
−HK$1,188/mo
▼ 0.25% · 3.875%
HK$19,535
−HK$599/mo
Today · 4.125%
HK$20,134
baseline
▲ 0.50% · 4.625%
HK$21,359
+HK$1,225/mo
Deposit HK$1.78M · loan HK$4.15M · min. income ≈ HK$40,268/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$133,533 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,077
−HK$1,139/mo
▼ 0.25% · 3.875%
HK$21,642
−HK$574/mo
Today · 4.125%
HK$22,216
baseline
▲ 0.50% · 4.625%
HK$23,387
+HK$1,171/mo
Deposit HK$1.78M · loan HK$4.15M · min. income ≈ HK$44,432/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$133,533 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,359
−HK$1,528/mo
▼ 0.25% · 3.875%
HK$25,117
−HK$770/mo
Today · 4.125%
HK$25,887
baseline
▲ 0.50% · 4.625%
HK$27,462
+HK$1,575/mo
Deposit HK$593K · loan HK$5.34M · min. income ≈ HK$51,774/mo (50% DSR)
Upfront cash ≈ HK$727K (deposit + AVD stamp duty HK$133,533 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,099
−HK$1,464/mo
▼ 0.25% · 3.875%
HK$27,826
−HK$737/mo
Today · 4.125%
HK$28,563
baseline
▲ 0.50% · 4.625%
HK$30,069
+HK$1,506/mo
Deposit HK$593K · loan HK$5.34M · min. income ≈ HK$57,126/mo (50% DSR)
Upfront cash ≈ HK$727K (deposit + AVD stamp duty HK$133,533 · 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).