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$13,547
−HK$849/mo
▼ 0.25% · 3.875%
HK$13,968
−HK$428/mo
Today · 4.125%
HK$14,396
baseline
▲ 0.50% · 4.625%
HK$15,272
+HK$876/mo
Deposit HK$2.97M · loan HK$2.97M · min. income ≈ HK$28,792/mo (50% DSR)
Upfront cash ≈ HK$3.10M (deposit + AVD stamp duty HK$133,671 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,071
−HK$814/mo
▼ 0.25% · 3.875%
HK$15,475
−HK$410/mo
Today · 4.125%
HK$15,885
baseline
▲ 0.50% · 4.625%
HK$16,722
+HK$837/mo
Deposit HK$2.97M · loan HK$2.97M · min. income ≈ HK$31,770/mo (50% DSR)
Upfront cash ≈ HK$3.10M (deposit + AVD stamp duty HK$133,671 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,256
−HK$1,020/mo
▼ 0.25% · 3.875%
HK$16,762
−HK$514/mo
Today · 4.125%
HK$17,276
baseline
▲ 0.50% · 4.625%
HK$18,327
+HK$1,051/mo
Deposit HK$2.38M · loan HK$3.56M · min. income ≈ HK$34,552/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$133,671 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,085
−HK$977/mo
▼ 0.25% · 3.875%
HK$18,570
−HK$492/mo
Today · 4.125%
HK$19,062
baseline
▲ 0.50% · 4.625%
HK$20,067
+HK$1,005/mo
Deposit HK$2.38M · loan HK$3.56M · min. income ≈ HK$38,124/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$133,671 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,965
−HK$1,190/mo
▼ 0.25% · 3.875%
HK$19,555
−HK$600/mo
Today · 4.125%
HK$20,155
baseline
▲ 0.50% · 4.625%
HK$21,381
+HK$1,226/mo
Deposit HK$1.78M · loan HK$4.16M · min. income ≈ HK$40,310/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$133,671 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,099
−HK$1,140/mo
▼ 0.25% · 3.875%
HK$21,665
−HK$574/mo
Today · 4.125%
HK$22,239
baseline
▲ 0.50% · 4.625%
HK$23,411
+HK$1,172/mo
Deposit HK$1.78M · loan HK$4.16M · min. income ≈ HK$44,478/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$133,671 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,384
−HK$1,529/mo
▼ 0.25% · 3.875%
HK$25,143
−HK$770/mo
Today · 4.125%
HK$25,913
baseline
▲ 0.50% · 4.625%
HK$27,490
+HK$1,577/mo
Deposit HK$594K · loan HK$5.35M · min. income ≈ HK$51,826/mo (50% DSR)
Upfront cash ≈ HK$728K (deposit + AVD stamp duty HK$133,671 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,127
−HK$1,466/mo
▼ 0.25% · 3.875%
HK$27,855
−HK$738/mo
Today · 4.125%
HK$28,593
baseline
▲ 0.50% · 4.625%
HK$30,100
+HK$1,507/mo
Deposit HK$594K · loan HK$5.35M · min. income ≈ HK$57,186/mo (50% DSR)
Upfront cash ≈ HK$728K (deposit + AVD stamp duty HK$133,671 · 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).