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$13,531
−HK$848/mo
▼ 0.25% · 3.875%
HK$13,952
−HK$427/mo
Today · 4.125%
HK$14,379
baseline
▲ 0.50% · 4.625%
HK$15,254
+HK$875/mo
Deposit HK$2.97M · loan HK$2.97M · min. income ≈ HK$28,758/mo (50% DSR)
Upfront cash ≈ HK$3.10M (deposit + AVD stamp duty HK$133,514 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,053
−HK$813/mo
▼ 0.25% · 3.875%
HK$15,457
−HK$409/mo
Today · 4.125%
HK$15,866
baseline
▲ 0.50% · 4.625%
HK$16,703
+HK$837/mo
Deposit HK$2.97M · loan HK$2.97M · min. income ≈ HK$31,732/mo (50% DSR)
Upfront cash ≈ HK$3.10M (deposit + AVD stamp duty HK$133,514 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,237
−HK$1,018/mo
▼ 0.25% · 3.875%
HK$16,742
−HK$513/mo
Today · 4.125%
HK$17,255
baseline
▲ 0.50% · 4.625%
HK$18,305
+HK$1,050/mo
Deposit HK$2.37M · loan HK$3.56M · min. income ≈ HK$34,510/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$133,514 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,064
−HK$975/mo
▼ 0.25% · 3.875%
HK$18,548
−HK$491/mo
Today · 4.125%
HK$19,039
baseline
▲ 0.50% · 4.625%
HK$20,043
+HK$1,004/mo
Deposit HK$2.37M · loan HK$3.56M · min. income ≈ HK$38,078/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$133,514 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,943
−HK$1,188/mo
▼ 0.25% · 3.875%
HK$19,532
−HK$599/mo
Today · 4.125%
HK$20,131
baseline
▲ 0.50% · 4.625%
HK$21,356
+HK$1,225/mo
Deposit HK$1.78M · loan HK$4.15M · min. income ≈ HK$40,262/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$133,514 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,074
−HK$1,139/mo
▼ 0.25% · 3.875%
HK$21,639
−HK$574/mo
Today · 4.125%
HK$22,213
baseline
▲ 0.50% · 4.625%
HK$23,384
+HK$1,171/mo
Deposit HK$1.78M · loan HK$4.15M · min. income ≈ HK$44,426/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$133,514 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,356
−HK$1,527/mo
▼ 0.25% · 3.875%
HK$25,113
−HK$770/mo
Today · 4.125%
HK$25,883
baseline
▲ 0.50% · 4.625%
HK$27,458
+HK$1,575/mo
Deposit HK$593K · loan HK$5.34M · min. income ≈ HK$51,766/mo (50% DSR)
Upfront cash ≈ HK$727K (deposit + AVD stamp duty HK$133,514 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,095
−HK$1,464/mo
▼ 0.25% · 3.875%
HK$27,822
−HK$737/mo
Today · 4.125%
HK$28,559
baseline
▲ 0.50% · 4.625%
HK$30,065
+HK$1,506/mo
Deposit HK$593K · loan HK$5.34M · min. income ≈ HK$57,118/mo (50% DSR)
Upfront cash ≈ HK$727K (deposit + AVD stamp duty HK$133,514 · 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).