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$13,529
−HK$848/mo
▼ 0.25% · 3.875%
HK$13,949
−HK$428/mo
Today · 4.125%
HK$14,377
baseline
▲ 0.50% · 4.625%
HK$15,252
+HK$875/mo
Deposit HK$2.97M · loan HK$2.97M · min. income ≈ HK$28,754/mo (50% DSR)
Upfront cash ≈ HK$3.10M (deposit + AVD stamp duty HK$133,492 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,050
−HK$814/mo
▼ 0.25% · 3.875%
HK$15,454
−HK$410/mo
Today · 4.125%
HK$15,864
baseline
▲ 0.50% · 4.625%
HK$16,700
+HK$836/mo
Deposit HK$2.97M · loan HK$2.97M · min. income ≈ HK$31,728/mo (50% DSR)
Upfront cash ≈ HK$3.10M (deposit + AVD stamp duty HK$133,492 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,234
−HK$1,018/mo
▼ 0.25% · 3.875%
HK$16,739
−HK$513/mo
Today · 4.125%
HK$17,252
baseline
▲ 0.50% · 4.625%
HK$18,302
+HK$1,050/mo
Deposit HK$2.37M · loan HK$3.56M · min. income ≈ HK$34,504/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$133,492 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,061
−HK$975/mo
▼ 0.25% · 3.875%
HK$18,545
−HK$491/mo
Today · 4.125%
HK$19,036
baseline
▲ 0.50% · 4.625%
HK$20,040
+HK$1,004/mo
Deposit HK$2.37M · loan HK$3.56M · min. income ≈ HK$38,072/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$133,492 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,940
−HK$1,188/mo
▼ 0.25% · 3.875%
HK$19,529
−HK$599/mo
Today · 4.125%
HK$20,128
baseline
▲ 0.50% · 4.625%
HK$21,353
+HK$1,225/mo
Deposit HK$1.78M · loan HK$4.15M · min. income ≈ HK$40,256/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$133,492 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,071
−HK$1,138/mo
▼ 0.25% · 3.875%
HK$21,636
−HK$573/mo
Today · 4.125%
HK$22,209
baseline
▲ 0.50% · 4.625%
HK$23,380
+HK$1,171/mo
Deposit HK$1.78M · loan HK$4.15M · min. income ≈ HK$44,418/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$133,492 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,352
−HK$1,527/mo
▼ 0.25% · 3.875%
HK$25,109
−HK$770/mo
Today · 4.125%
HK$25,879
baseline
▲ 0.50% · 4.625%
HK$27,453
+HK$1,574/mo
Deposit HK$593K · loan HK$5.34M · min. income ≈ HK$51,758/mo (50% DSR)
Upfront cash ≈ HK$727K (deposit + AVD stamp duty HK$133,492 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,091
−HK$1,464/mo
▼ 0.25% · 3.875%
HK$27,817
−HK$738/mo
Today · 4.125%
HK$28,555
baseline
▲ 0.50% · 4.625%
HK$30,060
+HK$1,505/mo
Deposit HK$593K · loan HK$5.34M · min. income ≈ HK$57,110/mo (50% DSR)
Upfront cash ≈ HK$727K (deposit + AVD stamp duty HK$133,492 · 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).