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$13,550
−HK$850/mo
▼ 0.25% · 3.875%
HK$13,971
−HK$429/mo
Today · 4.125%
HK$14,400
baseline
▲ 0.50% · 4.625%
HK$15,276
+HK$876/mo
Deposit HK$2.97M · loan HK$2.97M · min. income ≈ HK$28,800/mo (50% DSR)
Upfront cash ≈ HK$3.10M (deposit + AVD stamp duty HK$133,703 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,074
−HK$815/mo
▼ 0.25% · 3.875%
HK$15,479
−HK$410/mo
Today · 4.125%
HK$15,889
baseline
▲ 0.50% · 4.625%
HK$16,726
+HK$837/mo
Deposit HK$2.97M · loan HK$2.97M · min. income ≈ HK$31,778/mo (50% DSR)
Upfront cash ≈ HK$3.10M (deposit + AVD stamp duty HK$133,703 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,260
−HK$1,020/mo
▼ 0.25% · 3.875%
HK$16,766
−HK$514/mo
Today · 4.125%
HK$17,280
baseline
▲ 0.50% · 4.625%
HK$18,331
+HK$1,051/mo
Deposit HK$2.38M · loan HK$3.57M · min. income ≈ HK$34,560/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$133,703 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,089
−HK$977/mo
▼ 0.25% · 3.875%
HK$18,574
−HK$492/mo
Today · 4.125%
HK$19,066
baseline
▲ 0.50% · 4.625%
HK$20,071
+HK$1,005/mo
Deposit HK$2.38M · loan HK$3.57M · min. income ≈ HK$38,132/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$133,703 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,970
−HK$1,190/mo
▼ 0.25% · 3.875%
HK$19,560
−HK$600/mo
Today · 4.125%
HK$20,160
baseline
▲ 0.50% · 4.625%
HK$21,386
+HK$1,226/mo
Deposit HK$1.78M · loan HK$4.16M · min. income ≈ HK$40,320/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$133,703 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,104
−HK$1,140/mo
▼ 0.25% · 3.875%
HK$21,670
−HK$574/mo
Today · 4.125%
HK$22,244
baseline
▲ 0.50% · 4.625%
HK$23,417
+HK$1,173/mo
Deposit HK$1.78M · loan HK$4.16M · min. income ≈ HK$44,488/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$133,703 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,390
−HK$1,529/mo
▼ 0.25% · 3.875%
HK$25,149
−HK$770/mo
Today · 4.125%
HK$25,919
baseline
▲ 0.50% · 4.625%
HK$27,497
+HK$1,578/mo
Deposit HK$594K · loan HK$5.35M · min. income ≈ HK$51,838/mo (50% DSR)
Upfront cash ≈ HK$728K (deposit + AVD stamp duty HK$133,703 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,134
−HK$1,466/mo
▼ 0.25% · 3.875%
HK$27,861
−HK$739/mo
Today · 4.125%
HK$28,600
baseline
▲ 0.50% · 4.625%
HK$30,107
+HK$1,507/mo
Deposit HK$594K · loan HK$5.35M · min. income ≈ HK$57,200/mo (50% DSR)
Upfront cash ≈ HK$728K (deposit + AVD stamp duty HK$133,703 · 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).