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$13,584
−HK$852/mo
▼ 0.25% · 3.875%
HK$14,007
−HK$429/mo
Today · 4.125%
HK$14,436
baseline
▲ 0.50% · 4.625%
HK$15,315
+HK$879/mo
Deposit HK$2.98M · loan HK$2.98M · min. income ≈ HK$28,872/mo (50% DSR)
Upfront cash ≈ HK$3.11M (deposit + AVD stamp duty HK$134,042 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,112
−HK$817/mo
▼ 0.25% · 3.875%
HK$15,518
−HK$411/mo
Today · 4.125%
HK$15,929
baseline
▲ 0.50% · 4.625%
HK$16,769
+HK$840/mo
Deposit HK$2.98M · loan HK$2.98M · min. income ≈ HK$31,858/mo (50% DSR)
Upfront cash ≈ HK$3.11M (deposit + AVD stamp duty HK$134,042 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,301
−HK$1,022/mo
▼ 0.25% · 3.875%
HK$16,808
−HK$515/mo
Today · 4.125%
HK$17,323
baseline
▲ 0.50% · 4.625%
HK$18,378
+HK$1,055/mo
Deposit HK$2.38M · loan HK$3.57M · min. income ≈ HK$34,646/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$134,042 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,135
−HK$980/mo
▼ 0.25% · 3.875%
HK$18,621
−HK$494/mo
Today · 4.125%
HK$19,115
baseline
▲ 0.50% · 4.625%
HK$20,122
+HK$1,007/mo
Deposit HK$2.38M · loan HK$3.57M · min. income ≈ HK$38,230/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$134,042 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,018
−HK$1,193/mo
▼ 0.25% · 3.875%
HK$19,610
−HK$601/mo
Today · 4.125%
HK$20,211
baseline
▲ 0.50% · 4.625%
HK$21,441
+HK$1,230/mo
Deposit HK$1.79M · loan HK$4.17M · min. income ≈ HK$40,422/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$134,042 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,157
−HK$1,144/mo
▼ 0.25% · 3.875%
HK$21,725
−HK$576/mo
Today · 4.125%
HK$22,301
baseline
▲ 0.50% · 4.625%
HK$23,476
+HK$1,175/mo
Deposit HK$1.79M · loan HK$4.17M · min. income ≈ HK$44,602/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$134,042 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,452
−HK$1,533/mo
▼ 0.25% · 3.875%
HK$25,212
−HK$773/mo
Today · 4.125%
HK$25,985
baseline
▲ 0.50% · 4.625%
HK$27,566
+HK$1,581/mo
Deposit HK$596K · loan HK$5.36M · min. income ≈ HK$51,970/mo (50% DSR)
Upfront cash ≈ HK$730K (deposit + AVD stamp duty HK$134,042 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,202
−HK$1,470/mo
▼ 0.25% · 3.875%
HK$27,932
−HK$740/mo
Today · 4.125%
HK$28,672
baseline
▲ 0.50% · 4.625%
HK$30,183
+HK$1,511/mo
Deposit HK$596K · loan HK$5.36M · min. income ≈ HK$57,344/mo (50% DSR)
Upfront cash ≈ HK$730K (deposit + AVD stamp duty HK$134,042 · 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).