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$13,593
−HK$853/mo
▼ 0.25% · 3.875%
HK$14,016
−HK$430/mo
Today · 4.125%
HK$14,446
baseline
▲ 0.50% · 4.625%
HK$15,325
+HK$879/mo
Deposit HK$2.98M · loan HK$2.98M · min. income ≈ HK$28,892/mo (50% DSR)
Upfront cash ≈ HK$3.11M (deposit + AVD stamp duty HK$134,129 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,122
−HK$817/mo
▼ 0.25% · 3.875%
HK$15,528
−HK$411/mo
Today · 4.125%
HK$15,939
baseline
▲ 0.50% · 4.625%
HK$16,780
+HK$841/mo
Deposit HK$2.98M · loan HK$2.98M · min. income ≈ HK$31,878/mo (50% DSR)
Upfront cash ≈ HK$3.11M (deposit + AVD stamp duty HK$134,129 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,312
−HK$1,023/mo
▼ 0.25% · 3.875%
HK$16,819
−HK$516/mo
Today · 4.125%
HK$17,335
baseline
▲ 0.50% · 4.625%
HK$18,390
+HK$1,055/mo
Deposit HK$2.38M · loan HK$3.58M · min. income ≈ HK$34,670/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$134,129 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,147
−HK$980/mo
▼ 0.25% · 3.875%
HK$18,634
−HK$493/mo
Today · 4.125%
HK$19,127
baseline
▲ 0.50% · 4.625%
HK$20,135
+HK$1,008/mo
Deposit HK$2.38M · loan HK$3.58M · min. income ≈ HK$38,254/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$134,129 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,031
−HK$1,193/mo
▼ 0.25% · 3.875%
HK$19,623
−HK$601/mo
Today · 4.125%
HK$20,224
baseline
▲ 0.50% · 4.625%
HK$21,455
+HK$1,231/mo
Deposit HK$1.79M · loan HK$4.17M · min. income ≈ HK$40,448/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$134,129 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,171
−HK$1,144/mo
▼ 0.25% · 3.875%
HK$21,739
−HK$576/mo
Today · 4.125%
HK$22,315
baseline
▲ 0.50% · 4.625%
HK$23,491
+HK$1,176/mo
Deposit HK$1.79M · loan HK$4.17M · min. income ≈ HK$44,630/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$134,129 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,468
−HK$1,534/mo
▼ 0.25% · 3.875%
HK$25,229
−HK$773/mo
Today · 4.125%
HK$26,002
baseline
▲ 0.50% · 4.625%
HK$27,584
+HK$1,582/mo
Deposit HK$596K · loan HK$5.37M · min. income ≈ HK$52,004/mo (50% DSR)
Upfront cash ≈ HK$730K (deposit + AVD stamp duty HK$134,129 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,220
−HK$1,471/mo
▼ 0.25% · 3.875%
HK$27,950
−HK$741/mo
Today · 4.125%
HK$28,691
baseline
▲ 0.50% · 4.625%
HK$30,203
+HK$1,512/mo
Deposit HK$596K · loan HK$5.37M · min. income ≈ HK$57,382/mo (50% DSR)
Upfront cash ≈ HK$730K (deposit + AVD stamp duty HK$134,129 · 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).