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$15,299
+HK$878/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$133,903 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,097
−HK$815/mo
▼ 0.25% · 3.875%
HK$15,502
−HK$410/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$133,903 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,284
−HK$1,022/mo
▼ 0.25% · 3.875%
HK$16,791
−HK$515/mo
Today · 4.125%
HK$17,306
baseline
▲ 0.50% · 4.625%
HK$18,359
+HK$1,053/mo
Deposit HK$2.38M · loan HK$3.57M · min. income ≈ HK$34,612/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$133,903 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,116
−HK$979/mo
▼ 0.25% · 3.875%
HK$18,602
−HK$493/mo
Today · 4.125%
HK$19,095
baseline
▲ 0.50% · 4.625%
HK$20,102
+HK$1,007/mo
Deposit HK$2.38M · loan HK$3.57M · min. income ≈ HK$38,190/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$133,903 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,998
−HK$1,192/mo
▼ 0.25% · 3.875%
HK$19,589
−HK$601/mo
Today · 4.125%
HK$20,190
baseline
▲ 0.50% · 4.625%
HK$21,418
+HK$1,228/mo
Deposit HK$1.79M · loan HK$4.17M · min. income ≈ HK$40,380/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$133,903 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,136
−HK$1,141/mo
▼ 0.25% · 3.875%
HK$21,702
−HK$575/mo
Today · 4.125%
HK$22,277
baseline
▲ 0.50% · 4.625%
HK$23,452
+HK$1,175/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$133,903 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,427
−HK$1,531/mo
▼ 0.25% · 3.875%
HK$25,186
−HK$772/mo
Today · 4.125%
HK$25,958
baseline
▲ 0.50% · 4.625%
HK$27,538
+HK$1,580/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$133,903 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,174
−HK$1,468/mo
▼ 0.25% · 3.875%
HK$27,903
−HK$739/mo
Today · 4.125%
HK$28,642
baseline
▲ 0.50% · 4.625%
HK$30,152
+HK$1,510/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$133,903 · 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).