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$13,573
−HK$852/mo
▼ 0.25% · 3.875%
HK$13,996
−HK$429/mo
Today · 4.125%
HK$14,425
baseline
▲ 0.50% · 4.625%
HK$15,302
+HK$877/mo
Deposit HK$2.98M · loan HK$2.98M · min. income ≈ HK$28,850/mo (50% DSR)
Upfront cash ≈ HK$3.11M (deposit + AVD stamp duty HK$133,933 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,100
−HK$816/mo
▼ 0.25% · 3.875%
HK$15,505
−HK$411/mo
Today · 4.125%
HK$15,916
baseline
▲ 0.50% · 4.625%
HK$16,755
+HK$839/mo
Deposit HK$2.98M · loan HK$2.98M · min. income ≈ HK$31,832/mo (50% DSR)
Upfront cash ≈ HK$3.11M (deposit + AVD stamp duty HK$133,933 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,288
−HK$1,021/mo
▼ 0.25% · 3.875%
HK$16,795
−HK$514/mo
Today · 4.125%
HK$17,309
baseline
▲ 0.50% · 4.625%
HK$18,363
+HK$1,054/mo
Deposit HK$2.38M · loan HK$3.57M · min. income ≈ HK$34,618/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$133,933 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,120
−HK$979/mo
▼ 0.25% · 3.875%
HK$18,606
−HK$493/mo
Today · 4.125%
HK$19,099
baseline
▲ 0.50% · 4.625%
HK$20,106
+HK$1,007/mo
Deposit HK$2.38M · loan HK$3.57M · min. income ≈ HK$38,198/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$133,933 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,003
−HK$1,191/mo
▼ 0.25% · 3.875%
HK$19,594
−HK$600/mo
Today · 4.125%
HK$20,194
baseline
▲ 0.50% · 4.625%
HK$21,423
+HK$1,229/mo
Deposit HK$1.79M · loan HK$4.17M · min. income ≈ HK$40,388/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$133,933 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,140
−HK$1,142/mo
▼ 0.25% · 3.875%
HK$21,707
−HK$575/mo
Today · 4.125%
HK$22,282
baseline
▲ 0.50% · 4.625%
HK$23,457
+HK$1,175/mo
Deposit HK$1.79M · loan HK$4.17M · min. income ≈ HK$44,564/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$133,933 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,432
−HK$1,532/mo
▼ 0.25% · 3.875%
HK$25,192
−HK$772/mo
Today · 4.125%
HK$25,964
baseline
▲ 0.50% · 4.625%
HK$27,544
+HK$1,580/mo
Deposit HK$595K · loan HK$5.36M · min. income ≈ HK$51,928/mo (50% DSR)
Upfront cash ≈ HK$729K (deposit + AVD stamp duty HK$133,933 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,180
−HK$1,469/mo
▼ 0.25% · 3.875%
HK$27,909
−HK$740/mo
Today · 4.125%
HK$28,649
baseline
▲ 0.50% · 4.625%
HK$30,159
+HK$1,510/mo
Deposit HK$595K · loan HK$5.36M · min. income ≈ HK$57,298/mo (50% DSR)
Upfront cash ≈ HK$729K (deposit + AVD stamp duty HK$133,933 · 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).