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$13,577
−HK$851/mo
▼ 0.25% · 3.875%
HK$13,999
−HK$429/mo
Today · 4.125%
HK$14,428
baseline
▲ 0.50% · 4.625%
HK$15,306
+HK$878/mo
Deposit HK$2.98M · loan HK$2.98M · min. income ≈ HK$28,856/mo (50% DSR)
Upfront cash ≈ HK$3.11M (deposit + AVD stamp duty HK$133,968 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,104
−HK$816/mo
▼ 0.25% · 3.875%
HK$15,509
−HK$411/mo
Today · 4.125%
HK$15,920
baseline
▲ 0.50% · 4.625%
HK$16,759
+HK$839/mo
Deposit HK$2.98M · loan HK$2.98M · min. income ≈ HK$31,840/mo (50% DSR)
Upfront cash ≈ HK$3.11M (deposit + AVD stamp duty HK$133,968 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,292
−HK$1,022/mo
▼ 0.25% · 3.875%
HK$16,799
−HK$515/mo
Today · 4.125%
HK$17,314
baseline
▲ 0.50% · 4.625%
HK$18,367
+HK$1,053/mo
Deposit HK$2.38M · loan HK$3.57M · min. income ≈ HK$34,628/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$133,968 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,125
−HK$979/mo
▼ 0.25% · 3.875%
HK$18,611
−HK$493/mo
Today · 4.125%
HK$19,104
baseline
▲ 0.50% · 4.625%
HK$20,111
+HK$1,007/mo
Deposit HK$2.38M · loan HK$3.57M · min. income ≈ HK$38,208/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$133,968 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,008
−HK$1,192/mo
▼ 0.25% · 3.875%
HK$19,599
−HK$601/mo
Today · 4.125%
HK$20,200
baseline
▲ 0.50% · 4.625%
HK$21,429
+HK$1,229/mo
Deposit HK$1.79M · loan HK$4.17M · min. income ≈ HK$40,400/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$133,968 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,146
−HK$1,142/mo
▼ 0.25% · 3.875%
HK$21,713
−HK$575/mo
Today · 4.125%
HK$22,288
baseline
▲ 0.50% · 4.625%
HK$23,463
+HK$1,175/mo
Deposit HK$1.79M · loan HK$4.17M · min. income ≈ HK$44,576/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$133,968 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,438
−HK$1,533/mo
▼ 0.25% · 3.875%
HK$25,199
−HK$772/mo
Today · 4.125%
HK$25,971
baseline
▲ 0.50% · 4.625%
HK$27,551
+HK$1,580/mo
Deposit HK$595K · loan HK$5.36M · min. income ≈ HK$51,942/mo (50% DSR)
Upfront cash ≈ HK$729K (deposit + AVD stamp duty HK$133,968 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,187
−HK$1,469/mo
▼ 0.25% · 3.875%
HK$27,917
−HK$739/mo
Today · 4.125%
HK$28,656
baseline
▲ 0.50% · 4.625%
HK$30,167
+HK$1,511/mo
Deposit HK$595K · loan HK$5.36M · min. income ≈ HK$57,312/mo (50% DSR)
Upfront cash ≈ HK$729K (deposit + AVD stamp duty HK$133,968 · 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).