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$13,534
−HK$849/mo
▼ 0.25% · 3.875%
HK$13,955
−HK$428/mo
Today · 4.125%
HK$14,383
baseline
▲ 0.50% · 4.625%
HK$15,258
+HK$875/mo
Deposit HK$2.97M · loan HK$2.97M · min. income ≈ HK$28,766/mo (50% DSR)
Upfront cash ≈ HK$3.10M (deposit + AVD stamp duty HK$133,547 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,057
−HK$813/mo
▼ 0.25% · 3.875%
HK$15,461
−HK$409/mo
Today · 4.125%
HK$15,870
baseline
▲ 0.50% · 4.625%
HK$16,707
+HK$837/mo
Deposit HK$2.97M · loan HK$2.97M · min. income ≈ HK$31,740/mo (50% DSR)
Upfront cash ≈ HK$3.10M (deposit + AVD stamp duty HK$133,547 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,241
−HK$1,019/mo
▼ 0.25% · 3.875%
HK$16,746
−HK$514/mo
Today · 4.125%
HK$17,260
baseline
▲ 0.50% · 4.625%
HK$18,310
+HK$1,050/mo
Deposit HK$2.37M · loan HK$3.56M · min. income ≈ HK$34,520/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$133,547 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,068
−HK$976/mo
▼ 0.25% · 3.875%
HK$18,553
−HK$491/mo
Today · 4.125%
HK$19,044
baseline
▲ 0.50% · 4.625%
HK$20,048
+HK$1,004/mo
Deposit HK$2.37M · loan HK$3.56M · min. income ≈ HK$38,088/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$133,547 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,948
−HK$1,188/mo
▼ 0.25% · 3.875%
HK$19,537
−HK$599/mo
Today · 4.125%
HK$20,136
baseline
▲ 0.50% · 4.625%
HK$21,361
+HK$1,225/mo
Deposit HK$1.78M · loan HK$4.15M · min. income ≈ HK$40,272/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$133,547 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,079
−HK$1,139/mo
▼ 0.25% · 3.875%
HK$21,645
−HK$573/mo
Today · 4.125%
HK$22,218
baseline
▲ 0.50% · 4.625%
HK$23,389
+HK$1,171/mo
Deposit HK$1.78M · loan HK$4.15M · min. income ≈ HK$44,436/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$133,547 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,362
−HK$1,527/mo
▼ 0.25% · 3.875%
HK$25,119
−HK$770/mo
Today · 4.125%
HK$25,889
baseline
▲ 0.50% · 4.625%
HK$27,465
+HK$1,576/mo
Deposit HK$594K · loan HK$5.34M · min. income ≈ HK$51,778/mo (50% DSR)
Upfront cash ≈ HK$727K (deposit + AVD stamp duty HK$133,547 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,102
−HK$1,464/mo
▼ 0.25% · 3.875%
HK$27,829
−HK$737/mo
Today · 4.125%
HK$28,566
baseline
▲ 0.50% · 4.625%
HK$30,072
+HK$1,506/mo
Deposit HK$594K · loan HK$5.34M · min. income ≈ HK$57,132/mo (50% DSR)
Upfront cash ≈ HK$727K (deposit + AVD stamp duty HK$133,547 · 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).