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$13,604
−HK$853/mo
▼ 0.25% · 3.875%
HK$14,027
−HK$430/mo
Today · 4.125%
HK$14,457
baseline
▲ 0.50% · 4.625%
HK$15,336
+HK$879/mo
Deposit HK$2.98M · loan HK$2.98M · min. income ≈ HK$28,914/mo (50% DSR)
Upfront cash ≈ HK$3.12M (deposit + AVD stamp duty HK$134,231 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,134
−HK$817/mo
▼ 0.25% · 3.875%
HK$15,540
−HK$411/mo
Today · 4.125%
HK$15,951
baseline
▲ 0.50% · 4.625%
HK$16,792
+HK$841/mo
Deposit HK$2.98M · loan HK$2.98M · min. income ≈ HK$31,902/mo (50% DSR)
Upfront cash ≈ HK$3.12M (deposit + AVD stamp duty HK$134,231 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,324
−HK$1,024/mo
▼ 0.25% · 3.875%
HK$16,832
−HK$516/mo
Today · 4.125%
HK$17,348
baseline
▲ 0.50% · 4.625%
HK$18,404
+HK$1,056/mo
Deposit HK$2.39M · loan HK$3.58M · min. income ≈ HK$34,696/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$134,231 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,161
−HK$981/mo
▼ 0.25% · 3.875%
HK$18,648
−HK$494/mo
Today · 4.125%
HK$19,142
baseline
▲ 0.50% · 4.625%
HK$20,151
+HK$1,009/mo
Deposit HK$2.39M · loan HK$3.58M · min. income ≈ HK$38,284/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$134,231 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,045
−HK$1,194/mo
▼ 0.25% · 3.875%
HK$19,637
−HK$602/mo
Today · 4.125%
HK$20,239
baseline
▲ 0.50% · 4.625%
HK$21,471
+HK$1,232/mo
Deposit HK$1.79M · loan HK$4.18M · min. income ≈ HK$40,478/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$134,231 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,187
−HK$1,145/mo
▼ 0.25% · 3.875%
HK$21,756
−HK$576/mo
Today · 4.125%
HK$22,332
baseline
▲ 0.50% · 4.625%
HK$23,509
+HK$1,177/mo
Deposit HK$1.79M · loan HK$4.18M · min. income ≈ HK$44,664/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$134,231 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,486
−HK$1,536/mo
▼ 0.25% · 3.875%
HK$25,248
−HK$774/mo
Today · 4.125%
HK$26,022
baseline
▲ 0.50% · 4.625%
HK$27,605
+HK$1,583/mo
Deposit HK$597K · loan HK$5.37M · min. income ≈ HK$52,044/mo (50% DSR)
Upfront cash ≈ HK$731K (deposit + AVD stamp duty HK$134,231 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,241
−HK$1,472/mo
▼ 0.25% · 3.875%
HK$27,972
−HK$741/mo
Today · 4.125%
HK$28,713
baseline
▲ 0.50% · 4.625%
HK$30,226
+HK$1,513/mo
Deposit HK$597K · loan HK$5.37M · min. income ≈ HK$57,426/mo (50% DSR)
Upfront cash ≈ HK$731K (deposit + AVD stamp duty HK$134,231 · 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).