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$13,589
−HK$852/mo
▼ 0.25% · 3.875%
HK$14,012
−HK$429/mo
Today · 4.125%
HK$14,441
baseline
▲ 0.50% · 4.625%
HK$15,320
+HK$879/mo
Deposit HK$2.98M · loan HK$2.98M · min. income ≈ HK$28,882/mo (50% DSR)
Upfront cash ≈ HK$3.11M (deposit + AVD stamp duty HK$134,088 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,118
−HK$816/mo
▼ 0.25% · 3.875%
HK$15,523
−HK$411/mo
Today · 4.125%
HK$15,934
baseline
▲ 0.50% · 4.625%
HK$16,774
+HK$840/mo
Deposit HK$2.98M · loan HK$2.98M · min. income ≈ HK$31,868/mo (50% DSR)
Upfront cash ≈ HK$3.11M (deposit + AVD stamp duty HK$134,088 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,307
−HK$1,022/mo
▼ 0.25% · 3.875%
HK$16,814
−HK$515/mo
Today · 4.125%
HK$17,329
baseline
▲ 0.50% · 4.625%
HK$18,384
+HK$1,055/mo
Deposit HK$2.38M · loan HK$3.58M · min. income ≈ HK$34,658/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$134,088 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,141
−HK$980/mo
▼ 0.25% · 3.875%
HK$18,628
−HK$493/mo
Today · 4.125%
HK$19,121
baseline
▲ 0.50% · 4.625%
HK$20,129
+HK$1,008/mo
Deposit HK$2.38M · loan HK$3.58M · min. income ≈ HK$38,242/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$134,088 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,025
−HK$1,193/mo
▼ 0.25% · 3.875%
HK$19,617
−HK$601/mo
Today · 4.125%
HK$20,218
baseline
▲ 0.50% · 4.625%
HK$21,448
+HK$1,230/mo
Deposit HK$1.79M · loan HK$4.17M · min. income ≈ HK$40,436/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$134,088 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,165
−HK$1,143/mo
▼ 0.25% · 3.875%
HK$21,732
−HK$576/mo
Today · 4.125%
HK$22,308
baseline
▲ 0.50% · 4.625%
HK$23,484
+HK$1,176/mo
Deposit HK$1.79M · loan HK$4.17M · min. income ≈ HK$44,616/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$134,088 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,460
−HK$1,534/mo
▼ 0.25% · 3.875%
HK$25,221
−HK$773/mo
Today · 4.125%
HK$25,994
baseline
▲ 0.50% · 4.625%
HK$27,576
+HK$1,582/mo
Deposit HK$596K · loan HK$5.36M · min. income ≈ HK$51,988/mo (50% DSR)
Upfront cash ≈ HK$730K (deposit + AVD stamp duty HK$134,088 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,212
−HK$1,470/mo
▼ 0.25% · 3.875%
HK$27,942
−HK$740/mo
Today · 4.125%
HK$28,682
baseline
▲ 0.50% · 4.625%
HK$30,194
+HK$1,512/mo
Deposit HK$596K · loan HK$5.36M · min. income ≈ HK$57,364/mo (50% DSR)
Upfront cash ≈ HK$730K (deposit + AVD stamp duty HK$134,088 · 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).