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$13,606
−HK$853/mo
▼ 0.25% · 3.875%
HK$14,029
−HK$430/mo
Today · 4.125%
HK$14,459
baseline
▲ 0.50% · 4.625%
HK$15,339
+HK$880/mo
Deposit HK$2.98M · loan HK$2.98M · min. income ≈ HK$28,918/mo (50% DSR)
Upfront cash ≈ HK$3.12M (deposit + AVD stamp duty HK$134,255 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,136
−HK$818/mo
▼ 0.25% · 3.875%
HK$15,542
−HK$412/mo
Today · 4.125%
HK$15,954
baseline
▲ 0.50% · 4.625%
HK$16,795
+HK$841/mo
Deposit HK$2.98M · loan HK$2.98M · min. income ≈ HK$31,908/mo (50% DSR)
Upfront cash ≈ HK$3.12M (deposit + AVD stamp duty HK$134,255 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,327
−HK$1,024/mo
▼ 0.25% · 3.875%
HK$16,835
−HK$516/mo
Today · 4.125%
HK$17,351
baseline
▲ 0.50% · 4.625%
HK$18,407
+HK$1,056/mo
Deposit HK$2.39M · loan HK$3.58M · min. income ≈ HK$34,702/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$134,255 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,164
−HK$981/mo
▼ 0.25% · 3.875%
HK$18,651
−HK$494/mo
Today · 4.125%
HK$19,145
baseline
▲ 0.50% · 4.625%
HK$20,154
+HK$1,009/mo
Deposit HK$2.39M · loan HK$3.58M · min. income ≈ HK$38,290/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$134,255 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,048
−HK$1,195/mo
▼ 0.25% · 3.875%
HK$19,641
−HK$602/mo
Today · 4.125%
HK$20,243
baseline
▲ 0.50% · 4.625%
HK$21,475
+HK$1,232/mo
Deposit HK$1.79M · loan HK$4.18M · min. income ≈ HK$40,486/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$134,255 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,191
−HK$1,145/mo
▼ 0.25% · 3.875%
HK$21,759
−HK$577/mo
Today · 4.125%
HK$22,336
baseline
▲ 0.50% · 4.625%
HK$23,513
+HK$1,177/mo
Deposit HK$1.79M · loan HK$4.18M · min. income ≈ HK$44,672/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$134,255 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,491
−HK$1,536/mo
▼ 0.25% · 3.875%
HK$25,253
−HK$774/mo
Today · 4.125%
HK$26,027
baseline
▲ 0.50% · 4.625%
HK$27,610
+HK$1,583/mo
Deposit HK$597K · loan HK$5.37M · min. income ≈ HK$52,054/mo (50% DSR)
Upfront cash ≈ HK$731K (deposit + AVD stamp duty HK$134,255 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,246
−HK$1,472/mo
▼ 0.25% · 3.875%
HK$27,976
−HK$742/mo
Today · 4.125%
HK$28,718
baseline
▲ 0.50% · 4.625%
HK$30,231
+HK$1,513/mo
Deposit HK$597K · loan HK$5.37M · min. income ≈ HK$57,436/mo (50% DSR)
Upfront cash ≈ HK$731K (deposit + AVD stamp duty HK$134,255 · 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).