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$849/mo
▼ 0.25% · 3.875%
HK$13,948
−HK$428/mo
Today · 4.125%
HK$14,376
baseline
▲ 0.50% · 4.625%
HK$15,250
+HK$874/mo
Deposit HK$2.97M · loan HK$2.97M · min. income ≈ HK$28,752/mo (50% DSR)
Upfront cash ≈ HK$3.10M (deposit + AVD stamp duty HK$133,480 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,049
−HK$813/mo
▼ 0.25% · 3.875%
HK$15,453
−HK$409/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$133,480 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,233
−HK$1,018/mo
▼ 0.25% · 3.875%
HK$16,738
−HK$513/mo
Today · 4.125%
HK$17,251
baseline
▲ 0.50% · 4.625%
HK$18,301
+HK$1,050/mo
Deposit HK$2.37M · loan HK$3.56M · min. income ≈ HK$34,502/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$133,480 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,059
−HK$976/mo
▼ 0.25% · 3.875%
HK$18,543
−HK$492/mo
Today · 4.125%
HK$19,035
baseline
▲ 0.50% · 4.625%
HK$20,038
+HK$1,003/mo
Deposit HK$2.37M · loan HK$3.56M · min. income ≈ HK$38,070/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$133,480 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,938
−HK$1,188/mo
▼ 0.25% · 3.875%
HK$19,528
−HK$598/mo
Today · 4.125%
HK$20,126
baseline
▲ 0.50% · 4.625%
HK$21,351
+HK$1,225/mo
Deposit HK$1.78M · loan HK$4.15M · min. income ≈ HK$40,252/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$133,480 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,069
−HK$1,138/mo
▼ 0.25% · 3.875%
HK$21,634
−HK$573/mo
Today · 4.125%
HK$22,207
baseline
▲ 0.50% · 4.625%
HK$23,378
+HK$1,171/mo
Deposit HK$1.78M · loan HK$4.15M · min. income ≈ HK$44,414/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$133,480 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,349
−HK$1,527/mo
▼ 0.25% · 3.875%
HK$25,107
−HK$769/mo
Today · 4.125%
HK$25,876
baseline
▲ 0.50% · 4.625%
HK$27,451
+HK$1,575/mo
Deposit HK$593K · loan HK$5.34M · min. income ≈ HK$51,752/mo (50% DSR)
Upfront cash ≈ HK$727K (deposit + AVD stamp duty HK$133,480 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,089
−HK$1,463/mo
▼ 0.25% · 3.875%
HK$27,815
−HK$737/mo
Today · 4.125%
HK$28,552
baseline
▲ 0.50% · 4.625%
HK$30,057
+HK$1,505/mo
Deposit HK$593K · loan HK$5.34M · min. income ≈ HK$57,104/mo (50% DSR)
Upfront cash ≈ HK$727K (deposit + AVD stamp duty HK$133,480 · 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).