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$13,609
−HK$854/mo
▼ 0.25% · 3.875%
HK$14,033
−HK$430/mo
Today · 4.125%
HK$14,463
baseline
▲ 0.50% · 4.625%
HK$15,343
+HK$880/mo
Deposit HK$2.98M · loan HK$2.98M · min. income ≈ HK$28,926/mo (50% DSR)
Upfront cash ≈ HK$3.12M (deposit + AVD stamp duty HK$134,289 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,140
−HK$818/mo
▼ 0.25% · 3.875%
HK$15,546
−HK$412/mo
Today · 4.125%
HK$15,958
baseline
▲ 0.50% · 4.625%
HK$16,800
+HK$842/mo
Deposit HK$2.98M · loan HK$2.98M · min. income ≈ HK$31,916/mo (50% DSR)
Upfront cash ≈ HK$3.12M (deposit + AVD stamp duty HK$134,289 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,331
−HK$1,024/mo
▼ 0.25% · 3.875%
HK$16,839
−HK$516/mo
Today · 4.125%
HK$17,355
baseline
▲ 0.50% · 4.625%
HK$18,412
+HK$1,057/mo
Deposit HK$2.39M · loan HK$3.58M · min. income ≈ HK$34,710/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$134,289 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,168
−HK$982/mo
▼ 0.25% · 3.875%
HK$18,656
−HK$494/mo
Today · 4.125%
HK$19,150
baseline
▲ 0.50% · 4.625%
HK$20,159
+HK$1,009/mo
Deposit HK$2.39M · loan HK$3.58M · min. income ≈ HK$38,300/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$134,289 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,053
−HK$1,195/mo
▼ 0.25% · 3.875%
HK$19,646
−HK$602/mo
Today · 4.125%
HK$20,248
baseline
▲ 0.50% · 4.625%
HK$21,480
+HK$1,232/mo
Deposit HK$1.79M · loan HK$4.18M · min. income ≈ HK$40,496/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$134,289 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,197
−HK$1,145/mo
▼ 0.25% · 3.875%
HK$21,765
−HK$577/mo
Today · 4.125%
HK$22,342
baseline
▲ 0.50% · 4.625%
HK$23,519
+HK$1,177/mo
Deposit HK$1.79M · loan HK$4.18M · min. income ≈ HK$44,684/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$134,289 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,497
−HK$1,536/mo
▼ 0.25% · 3.875%
HK$25,259
−HK$774/mo
Today · 4.125%
HK$26,033
baseline
▲ 0.50% · 4.625%
HK$27,617
+HK$1,584/mo
Deposit HK$597K · loan HK$5.37M · min. income ≈ HK$52,066/mo (50% DSR)
Upfront cash ≈ HK$731K (deposit + AVD stamp duty HK$134,289 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,253
−HK$1,472/mo
▼ 0.25% · 3.875%
HK$27,984
−HK$741/mo
Today · 4.125%
HK$28,725
baseline
▲ 0.50% · 4.625%
HK$30,239
+HK$1,514/mo
Deposit HK$597K · loan HK$5.37M · min. income ≈ HK$57,450/mo (50% DSR)
Upfront cash ≈ HK$731K (deposit + AVD stamp duty HK$134,289 · 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).