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$13,947
−HK$428/mo
Today · 4.125%
HK$14,375
baseline
▲ 0.50% · 4.625%
HK$15,249
+HK$874/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$133,471 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,048
−HK$813/mo
▼ 0.25% · 3.875%
HK$15,452
−HK$409/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$133,471 · 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$18,299
+HK$1,049/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$133,471 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,058
−HK$975/mo
▼ 0.25% · 3.875%
HK$18,542
−HK$491/mo
Today · 4.125%
HK$19,033
baseline
▲ 0.50% · 4.625%
HK$20,037
+HK$1,004/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$133,471 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,937
−HK$1,188/mo
▼ 0.25% · 3.875%
HK$19,526
−HK$599/mo
Today · 4.125%
HK$20,125
baseline
▲ 0.50% · 4.625%
HK$21,349
+HK$1,224/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$133,471 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,067
−HK$1,139/mo
▼ 0.25% · 3.875%
HK$21,632
−HK$574/mo
Today · 4.125%
HK$22,206
baseline
▲ 0.50% · 4.625%
HK$23,376
+HK$1,170/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$133,471 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,348
−HK$1,527/mo
▼ 0.25% · 3.875%
HK$25,105
−HK$770/mo
Today · 4.125%
HK$25,875
baseline
▲ 0.50% · 4.625%
HK$27,449
+HK$1,574/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$133,471 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,087
−HK$1,463/mo
▼ 0.25% · 3.875%
HK$27,813
−HK$737/mo
Today · 4.125%
HK$28,550
baseline
▲ 0.50% · 4.625%
HK$30,055
+HK$1,505/mo
Deposit HK$593K · loan HK$5.34M · min. income ≈ HK$57,100/mo (50% DSR)
Upfront cash ≈ HK$727K (deposit + AVD stamp duty HK$133,471 · 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).