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$13,599
−HK$853/mo
▼ 0.25% · 3.875%
HK$14,022
−HK$430/mo
Today · 4.125%
HK$14,452
baseline
▲ 0.50% · 4.625%
HK$15,332
+HK$880/mo
Deposit HK$2.98M · loan HK$2.98M · min. income ≈ HK$28,904/mo (50% DSR)
Upfront cash ≈ HK$3.12M (deposit + AVD stamp duty HK$134,190 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,129
−HK$818/mo
▼ 0.25% · 3.875%
HK$15,535
−HK$412/mo
Today · 4.125%
HK$15,947
baseline
▲ 0.50% · 4.625%
HK$16,787
+HK$840/mo
Deposit HK$2.98M · loan HK$2.98M · min. income ≈ HK$31,894/mo (50% DSR)
Upfront cash ≈ HK$3.12M (deposit + AVD stamp duty HK$134,190 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,319
−HK$1,024/mo
▼ 0.25% · 3.875%
HK$16,827
−HK$516/mo
Today · 4.125%
HK$17,343
baseline
▲ 0.50% · 4.625%
HK$18,398
+HK$1,055/mo
Deposit HK$2.39M · loan HK$3.58M · min. income ≈ HK$34,686/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$134,190 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,155
−HK$981/mo
▼ 0.25% · 3.875%
HK$18,642
−HK$494/mo
Today · 4.125%
HK$19,136
baseline
▲ 0.50% · 4.625%
HK$20,145
+HK$1,009/mo
Deposit HK$2.39M · loan HK$3.58M · min. income ≈ HK$38,272/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$134,190 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,039
−HK$1,194/mo
▼ 0.25% · 3.875%
HK$19,631
−HK$602/mo
Today · 4.125%
HK$20,233
baseline
▲ 0.50% · 4.625%
HK$21,464
+HK$1,231/mo
Deposit HK$1.79M · loan HK$4.17M · min. income ≈ HK$40,466/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$134,190 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,181
−HK$1,144/mo
▼ 0.25% · 3.875%
HK$21,749
−HK$576/mo
Today · 4.125%
HK$22,325
baseline
▲ 0.50% · 4.625%
HK$23,502
+HK$1,177/mo
Deposit HK$1.79M · loan HK$4.17M · min. income ≈ HK$44,650/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$134,190 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,479
−HK$1,535/mo
▼ 0.25% · 3.875%
HK$25,240
−HK$774/mo
Today · 4.125%
HK$26,014
baseline
▲ 0.50% · 4.625%
HK$27,597
+HK$1,583/mo
Deposit HK$596K · loan HK$5.37M · min. income ≈ HK$52,028/mo (50% DSR)
Upfront cash ≈ HK$731K (deposit + AVD stamp duty HK$134,190 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,232
−HK$1,472/mo
▼ 0.25% · 3.875%
HK$27,963
−HK$741/mo
Today · 4.125%
HK$28,704
baseline
▲ 0.50% · 4.625%
HK$30,217
+HK$1,513/mo
Deposit HK$596K · loan HK$5.37M · min. income ≈ HK$57,408/mo (50% DSR)
Upfront cash ≈ HK$731K (deposit + AVD stamp duty HK$134,190 · 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).