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$13,526
−HK$848/mo
▼ 0.25% · 3.875%
HK$13,947
−HK$427/mo
Today · 4.125%
HK$14,374
baseline
▲ 0.50% · 4.625%
HK$15,249
+HK$875/mo
Deposit HK$2.97M · loan HK$2.97M · min. income ≈ HK$28,748/mo (50% DSR)
Upfront cash ≈ HK$3.10M (deposit + AVD stamp duty HK$133,466 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,048
−HK$813/mo
▼ 0.25% · 3.875%
HK$15,451
−HK$410/mo
Today · 4.125%
HK$15,861
baseline
▲ 0.50% · 4.625%
HK$16,697
+HK$836/mo
Deposit HK$2.97M · loan HK$2.97M · min. income ≈ HK$31,722/mo (50% DSR)
Upfront cash ≈ HK$3.10M (deposit + AVD stamp duty HK$133,466 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,231
−HK$1,018/mo
▼ 0.25% · 3.875%
HK$16,736
−HK$513/mo
Today · 4.125%
HK$17,249
baseline
▲ 0.50% · 4.625%
HK$18,299
+HK$1,050/mo
Deposit HK$2.37M · loan HK$3.56M · min. income ≈ HK$34,498/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$133,466 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,057
−HK$976/mo
▼ 0.25% · 3.875%
HK$18,541
−HK$492/mo
Today · 4.125%
HK$19,033
baseline
▲ 0.50% · 4.625%
HK$20,036
+HK$1,003/mo
Deposit HK$2.37M · loan HK$3.56M · min. income ≈ HK$38,066/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$133,466 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,936
−HK$1,188/mo
▼ 0.25% · 3.875%
HK$19,526
−HK$598/mo
Today · 4.125%
HK$20,124
baseline
▲ 0.50% · 4.625%
HK$21,348
+HK$1,224/mo
Deposit HK$1.78M · loan HK$4.15M · min. income ≈ HK$40,248/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$133,466 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,067
−HK$1,138/mo
▼ 0.25% · 3.875%
HK$21,632
−HK$573/mo
Today · 4.125%
HK$22,205
baseline
▲ 0.50% · 4.625%
HK$23,375
+HK$1,170/mo
Deposit HK$1.78M · loan HK$4.15M · min. income ≈ HK$44,410/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$133,466 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,347
−HK$1,527/mo
▼ 0.25% · 3.875%
HK$25,104
−HK$770/mo
Today · 4.125%
HK$25,874
baseline
▲ 0.50% · 4.625%
HK$27,448
+HK$1,574/mo
Deposit HK$593K · loan HK$5.34M · min. income ≈ HK$51,748/mo (50% DSR)
Upfront cash ≈ HK$727K (deposit + AVD stamp duty HK$133,466 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,086
−HK$1,463/mo
▼ 0.25% · 3.875%
HK$27,812
−HK$737/mo
Today · 4.125%
HK$28,549
baseline
▲ 0.50% · 4.625%
HK$30,054
+HK$1,505/mo
Deposit HK$593K · loan HK$5.34M · min. income ≈ HK$57,098/mo (50% DSR)
Upfront cash ≈ HK$727K (deposit + AVD stamp duty HK$133,466 · 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).