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$13,612
−HK$854/mo
▼ 0.25% · 3.875%
HK$14,036
−HK$430/mo
Today · 4.125%
HK$14,466
baseline
▲ 0.50% · 4.625%
HK$15,346
+HK$880/mo
Deposit HK$2.98M · loan HK$2.98M · min. income ≈ HK$28,932/mo (50% DSR)
Upfront cash ≈ HK$3.12M (deposit + AVD stamp duty HK$134,317 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,144
−HK$818/mo
▼ 0.25% · 3.875%
HK$15,550
−HK$412/mo
Today · 4.125%
HK$15,962
baseline
▲ 0.50% · 4.625%
HK$16,803
+HK$841/mo
Deposit HK$2.98M · loan HK$2.98M · min. income ≈ HK$31,924/mo (50% DSR)
Upfront cash ≈ HK$3.12M (deposit + AVD stamp duty HK$134,317 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,335
−HK$1,024/mo
▼ 0.25% · 3.875%
HK$16,843
−HK$516/mo
Today · 4.125%
HK$17,359
baseline
▲ 0.50% · 4.625%
HK$18,415
+HK$1,056/mo
Deposit HK$2.39M · loan HK$3.58M · min. income ≈ HK$34,718/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$134,317 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,172
−HK$982/mo
▼ 0.25% · 3.875%
HK$18,660
−HK$494/mo
Today · 4.125%
HK$19,154
baseline
▲ 0.50% · 4.625%
HK$20,164
+HK$1,010/mo
Deposit HK$2.39M · loan HK$3.58M · min. income ≈ HK$38,308/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$134,317 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,057
−HK$1,195/mo
▼ 0.25% · 3.875%
HK$19,650
−HK$602/mo
Today · 4.125%
HK$20,252
baseline
▲ 0.50% · 4.625%
HK$21,485
+HK$1,233/mo
Deposit HK$1.79M · loan HK$4.18M · min. income ≈ HK$40,504/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$134,317 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,201
−HK$1,145/mo
▼ 0.25% · 3.875%
HK$21,770
−HK$576/mo
Today · 4.125%
HK$22,346
baseline
▲ 0.50% · 4.625%
HK$23,524
+HK$1,178/mo
Deposit HK$1.79M · loan HK$4.18M · min. income ≈ HK$44,692/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$134,317 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,502
−HK$1,537/mo
▼ 0.25% · 3.875%
HK$25,264
−HK$775/mo
Today · 4.125%
HK$26,039
baseline
▲ 0.50% · 4.625%
HK$27,623
+HK$1,584/mo
Deposit HK$597K · loan HK$5.37M · min. income ≈ HK$52,078/mo (50% DSR)
Upfront cash ≈ HK$731K (deposit + AVD stamp duty HK$134,317 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,258
−HK$1,473/mo
▼ 0.25% · 3.875%
HK$27,989
−HK$742/mo
Today · 4.125%
HK$28,731
baseline
▲ 0.50% · 4.625%
HK$30,245
+HK$1,514/mo
Deposit HK$597K · loan HK$5.37M · min. income ≈ HK$57,462/mo (50% DSR)
Upfront cash ≈ HK$731K (deposit + AVD stamp duty HK$134,317 · 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).