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$13,574
−HK$851/mo
▼ 0.25% · 3.875%
HK$13,996
−HK$429/mo
Today · 4.125%
HK$14,425
baseline
▲ 0.50% · 4.625%
HK$15,303
+HK$878/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$133,938 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,101
−HK$816/mo
▼ 0.25% · 3.875%
HK$15,506
−HK$411/mo
Today · 4.125%
HK$15,917
baseline
▲ 0.50% · 4.625%
HK$16,756
+HK$839/mo
Deposit HK$2.98M · loan HK$2.98M · min. income ≈ HK$31,834/mo (50% DSR)
Upfront cash ≈ HK$3.11M (deposit + AVD stamp duty HK$133,938 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,289
−HK$1,021/mo
▼ 0.25% · 3.875%
HK$16,795
−HK$515/mo
Today · 4.125%
HK$17,310
baseline
▲ 0.50% · 4.625%
HK$18,363
+HK$1,053/mo
Deposit HK$2.38M · loan HK$3.57M · min. income ≈ HK$34,620/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$133,938 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,121
−HK$979/mo
▼ 0.25% · 3.875%
HK$18,607
−HK$493/mo
Today · 4.125%
HK$19,100
baseline
▲ 0.50% · 4.625%
HK$20,107
+HK$1,007/mo
Deposit HK$2.38M · loan HK$3.57M · min. income ≈ HK$38,200/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$133,938 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,003
−HK$1,192/mo
▼ 0.25% · 3.875%
HK$19,595
−HK$600/mo
Today · 4.125%
HK$20,195
baseline
▲ 0.50% · 4.625%
HK$21,424
+HK$1,229/mo
Deposit HK$1.79M · loan HK$4.17M · min. income ≈ HK$40,390/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$133,938 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,141
−HK$1,142/mo
▼ 0.25% · 3.875%
HK$21,708
−HK$575/mo
Today · 4.125%
HK$22,283
baseline
▲ 0.50% · 4.625%
HK$23,458
+HK$1,175/mo
Deposit HK$1.79M · loan HK$4.17M · min. income ≈ HK$44,566/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$133,938 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,433
−HK$1,532/mo
▼ 0.25% · 3.875%
HK$25,193
−HK$772/mo
Today · 4.125%
HK$25,965
baseline
▲ 0.50% · 4.625%
HK$27,545
+HK$1,580/mo
Deposit HK$595K · loan HK$5.36M · min. income ≈ HK$51,930/mo (50% DSR)
Upfront cash ≈ HK$729K (deposit + AVD stamp duty HK$133,938 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,181
−HK$1,469/mo
▼ 0.25% · 3.875%
HK$27,910
−HK$740/mo
Today · 4.125%
HK$28,650
baseline
▲ 0.50% · 4.625%
HK$30,160
+HK$1,510/mo
Deposit HK$595K · loan HK$5.36M · min. income ≈ HK$57,300/mo (50% DSR)
Upfront cash ≈ HK$729K (deposit + AVD stamp duty HK$133,938 · 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).