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$13,570
−HK$851/mo
▼ 0.25% · 3.875%
HK$13,992
−HK$429/mo
Today · 4.125%
HK$14,421
baseline
▲ 0.50% · 4.625%
HK$15,298
+HK$877/mo
Deposit HK$2.98M · loan HK$2.98M · min. income ≈ HK$28,842/mo (50% DSR)
Upfront cash ≈ HK$3.11M (deposit + AVD stamp duty HK$133,899 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,096
−HK$816/mo
▼ 0.25% · 3.875%
HK$15,501
−HK$411/mo
Today · 4.125%
HK$15,912
baseline
▲ 0.50% · 4.625%
HK$16,751
+HK$839/mo
Deposit HK$2.98M · loan HK$2.98M · min. income ≈ HK$31,824/mo (50% DSR)
Upfront cash ≈ HK$3.11M (deposit + AVD stamp duty HK$133,899 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,284
−HK$1,021/mo
▼ 0.25% · 3.875%
HK$16,790
−HK$515/mo
Today · 4.125%
HK$17,305
baseline
▲ 0.50% · 4.625%
HK$18,358
+HK$1,053/mo
Deposit HK$2.38M · loan HK$3.57M · min. income ≈ HK$34,610/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$133,899 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,116
−HK$978/mo
▼ 0.25% · 3.875%
HK$18,602
−HK$492/mo
Today · 4.125%
HK$19,094
baseline
▲ 0.50% · 4.625%
HK$20,101
+HK$1,007/mo
Deposit HK$2.38M · loan HK$3.57M · min. income ≈ HK$38,188/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$133,899 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,998
−HK$1,191/mo
▼ 0.25% · 3.875%
HK$19,589
−HK$600/mo
Today · 4.125%
HK$20,189
baseline
▲ 0.50% · 4.625%
HK$21,418
+HK$1,229/mo
Deposit HK$1.79M · loan HK$4.17M · min. income ≈ HK$40,378/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$133,899 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,135
−HK$1,142/mo
▼ 0.25% · 3.875%
HK$21,702
−HK$575/mo
Today · 4.125%
HK$22,277
baseline
▲ 0.50% · 4.625%
HK$23,451
+HK$1,174/mo
Deposit HK$1.79M · loan HK$4.17M · min. income ≈ HK$44,554/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$133,899 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,426
−HK$1,532/mo
▼ 0.25% · 3.875%
HK$25,186
−HK$772/mo
Today · 4.125%
HK$25,958
baseline
▲ 0.50% · 4.625%
HK$27,537
+HK$1,579/mo
Deposit HK$595K · loan HK$5.36M · min. income ≈ HK$51,916/mo (50% DSR)
Upfront cash ≈ HK$729K (deposit + AVD stamp duty HK$133,899 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,174
−HK$1,468/mo
▼ 0.25% · 3.875%
HK$27,902
−HK$740/mo
Today · 4.125%
HK$28,642
baseline
▲ 0.50% · 4.625%
HK$30,151
+HK$1,509/mo
Deposit HK$595K · loan HK$5.36M · min. income ≈ HK$57,284/mo (50% DSR)
Upfront cash ≈ HK$729K (deposit + AVD stamp duty HK$133,899 · 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).