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$13,596
−HK$852/mo
▼ 0.25% · 3.875%
HK$14,019
−HK$429/mo
Today · 4.125%
HK$14,448
baseline
▲ 0.50% · 4.625%
HK$15,327
+HK$879/mo
Deposit HK$2.98M · loan HK$2.98M · min. income ≈ HK$28,896/mo (50% DSR)
Upfront cash ≈ HK$3.12M (deposit + AVD stamp duty HK$134,154 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,125
−HK$817/mo
▼ 0.25% · 3.875%
HK$15,531
−HK$411/mo
Today · 4.125%
HK$15,942
baseline
▲ 0.50% · 4.625%
HK$16,783
+HK$841/mo
Deposit HK$2.98M · loan HK$2.98M · min. income ≈ HK$31,884/mo (50% DSR)
Upfront cash ≈ HK$3.12M (deposit + AVD stamp duty HK$134,154 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,315
−HK$1,023/mo
▼ 0.25% · 3.875%
HK$16,822
−HK$516/mo
Today · 4.125%
HK$17,338
baseline
▲ 0.50% · 4.625%
HK$18,393
+HK$1,055/mo
Deposit HK$2.38M · loan HK$3.58M · min. income ≈ HK$34,676/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$134,154 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,150
−HK$981/mo
▼ 0.25% · 3.875%
HK$18,637
−HK$494/mo
Today · 4.125%
HK$19,131
baseline
▲ 0.50% · 4.625%
HK$20,139
+HK$1,008/mo
Deposit HK$2.38M · loan HK$3.58M · min. income ≈ HK$38,262/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$134,154 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,034
−HK$1,194/mo
▼ 0.25% · 3.875%
HK$19,626
−HK$602/mo
Today · 4.125%
HK$20,228
baseline
▲ 0.50% · 4.625%
HK$21,458
+HK$1,230/mo
Deposit HK$1.79M · loan HK$4.17M · min. income ≈ HK$40,456/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$134,154 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,175
−HK$1,144/mo
▼ 0.25% · 3.875%
HK$21,743
−HK$576/mo
Today · 4.125%
HK$22,319
baseline
▲ 0.50% · 4.625%
HK$23,496
+HK$1,177/mo
Deposit HK$1.79M · loan HK$4.17M · min. income ≈ HK$44,638/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$134,154 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,472
−HK$1,535/mo
▼ 0.25% · 3.875%
HK$25,234
−HK$773/mo
Today · 4.125%
HK$26,007
baseline
▲ 0.50% · 4.625%
HK$27,589
+HK$1,582/mo
Deposit HK$596K · loan HK$5.37M · min. income ≈ HK$52,014/mo (50% DSR)
Upfront cash ≈ HK$730K (deposit + AVD stamp duty HK$134,154 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,225
−HK$1,471/mo
▼ 0.25% · 3.875%
HK$27,955
−HK$741/mo
Today · 4.125%
HK$28,696
baseline
▲ 0.50% · 4.625%
HK$30,209
+HK$1,513/mo
Deposit HK$596K · loan HK$5.37M · min. income ≈ HK$57,392/mo (50% DSR)
Upfront cash ≈ HK$730K (deposit + AVD stamp duty HK$134,154 · 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).