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$13,554
−HK$850/mo
▼ 0.25% · 3.875%
HK$13,975
−HK$429/mo
Today · 4.125%
HK$14,404
baseline
▲ 0.50% · 4.625%
HK$15,280
+HK$876/mo
Deposit HK$2.97M · loan HK$2.97M · min. income ≈ HK$28,808/mo (50% DSR)
Upfront cash ≈ HK$3.11M (deposit + AVD stamp duty HK$133,739 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,078
−HK$815/mo
▼ 0.25% · 3.875%
HK$15,483
−HK$410/mo
Today · 4.125%
HK$15,893
baseline
▲ 0.50% · 4.625%
HK$16,731
+HK$838/mo
Deposit HK$2.97M · loan HK$2.97M · min. income ≈ HK$31,786/mo (50% DSR)
Upfront cash ≈ HK$3.11M (deposit + AVD stamp duty HK$133,739 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,264
−HK$1,020/mo
▼ 0.25% · 3.875%
HK$16,770
−HK$514/mo
Today · 4.125%
HK$17,284
baseline
▲ 0.50% · 4.625%
HK$18,336
+HK$1,052/mo
Deposit HK$2.38M · loan HK$3.57M · min. income ≈ HK$34,568/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$133,739 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,094
−HK$978/mo
▼ 0.25% · 3.875%
HK$18,579
−HK$493/mo
Today · 4.125%
HK$19,072
baseline
▲ 0.50% · 4.625%
HK$20,077
+HK$1,005/mo
Deposit HK$2.38M · loan HK$3.57M · min. income ≈ HK$38,144/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$133,739 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,975
−HK$1,190/mo
▼ 0.25% · 3.875%
HK$19,565
−HK$600/mo
Today · 4.125%
HK$20,165
baseline
▲ 0.50% · 4.625%
HK$21,392
+HK$1,227/mo
Deposit HK$1.78M · loan HK$4.16M · min. income ≈ HK$40,330/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$133,739 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,110
−HK$1,140/mo
▼ 0.25% · 3.875%
HK$21,676
−HK$574/mo
Today · 4.125%
HK$22,250
baseline
▲ 0.50% · 4.625%
HK$23,423
+HK$1,173/mo
Deposit HK$1.78M · loan HK$4.16M · min. income ≈ HK$44,500/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$133,739 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,397
−HK$1,530/mo
▼ 0.25% · 3.875%
HK$25,156
−HK$771/mo
Today · 4.125%
HK$25,927
baseline
▲ 0.50% · 4.625%
HK$27,504
+HK$1,577/mo
Deposit HK$594K · loan HK$5.35M · min. income ≈ HK$51,854/mo (50% DSR)
Upfront cash ≈ HK$728K (deposit + AVD stamp duty HK$133,739 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,141
−HK$1,466/mo
▼ 0.25% · 3.875%
HK$27,869
−HK$738/mo
Today · 4.125%
HK$28,607
baseline
▲ 0.50% · 4.625%
HK$30,115
+HK$1,508/mo
Deposit HK$594K · loan HK$5.35M · min. income ≈ HK$57,214/mo (50% DSR)
Upfront cash ≈ HK$728K (deposit + AVD stamp duty HK$133,739 · 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).