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$13,606
−HK$854/mo
▼ 0.25% · 3.875%
HK$14,030
−HK$430/mo
Today · 4.125%
HK$14,460
baseline
▲ 0.50% · 4.625%
HK$15,339
+HK$879/mo
Deposit HK$2.98M · loan HK$2.98M · min. income ≈ HK$28,920/mo (50% DSR)
Upfront cash ≈ HK$3.12M (deposit + AVD stamp duty HK$134,259 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,137
−HK$818/mo
▼ 0.25% · 3.875%
HK$15,543
−HK$412/mo
Today · 4.125%
HK$15,955
baseline
▲ 0.50% · 4.625%
HK$16,796
+HK$841/mo
Deposit HK$2.98M · loan HK$2.98M · min. income ≈ HK$31,910/mo (50% DSR)
Upfront cash ≈ HK$3.12M (deposit + AVD stamp duty HK$134,259 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,328
−HK$1,024/mo
▼ 0.25% · 3.875%
HK$16,836
−HK$516/mo
Today · 4.125%
HK$17,352
baseline
▲ 0.50% · 4.625%
HK$18,407
+HK$1,055/mo
Deposit HK$2.39M · loan HK$3.58M · min. income ≈ HK$34,704/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$134,259 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,164
−HK$982/mo
▼ 0.25% · 3.875%
HK$18,651
−HK$495/mo
Today · 4.125%
HK$19,146
baseline
▲ 0.50% · 4.625%
HK$20,155
+HK$1,009/mo
Deposit HK$2.39M · loan HK$3.58M · min. income ≈ HK$38,292/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$134,259 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,049
−HK$1,194/mo
▼ 0.25% · 3.875%
HK$19,641
−HK$602/mo
Today · 4.125%
HK$20,243
baseline
▲ 0.50% · 4.625%
HK$21,475
+HK$1,232/mo
Deposit HK$1.79M · loan HK$4.18M · min. income ≈ HK$40,486/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$134,259 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,192
−HK$1,145/mo
▼ 0.25% · 3.875%
HK$21,760
−HK$577/mo
Today · 4.125%
HK$22,337
baseline
▲ 0.50% · 4.625%
HK$23,514
+HK$1,177/mo
Deposit HK$1.79M · loan HK$4.18M · min. income ≈ HK$44,674/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$134,259 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,491
−HK$1,536/mo
▼ 0.25% · 3.875%
HK$25,253
−HK$774/mo
Today · 4.125%
HK$26,027
baseline
▲ 0.50% · 4.625%
HK$27,611
+HK$1,584/mo
Deposit HK$597K · loan HK$5.37M · min. income ≈ HK$52,054/mo (50% DSR)
Upfront cash ≈ HK$731K (deposit + AVD stamp duty HK$134,259 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,246
−HK$1,473/mo
▼ 0.25% · 3.875%
HK$27,977
−HK$742/mo
Today · 4.125%
HK$28,719
baseline
▲ 0.50% · 4.625%
HK$30,232
+HK$1,513/mo
Deposit HK$597K · loan HK$5.37M · min. income ≈ HK$57,438/mo (50% DSR)
Upfront cash ≈ HK$731K (deposit + AVD stamp duty HK$134,259 · 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).