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$13,582
−HK$851/mo
▼ 0.25% · 3.875%
HK$14,004
−HK$429/mo
Today · 4.125%
HK$14,433
baseline
▲ 0.50% · 4.625%
HK$15,311
+HK$878/mo
Deposit HK$2.98M · loan HK$2.98M · min. income ≈ HK$28,866/mo (50% DSR)
Upfront cash ≈ HK$3.11M (deposit + AVD stamp duty HK$134,014 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,109
−HK$817/mo
▼ 0.25% · 3.875%
HK$15,515
−HK$411/mo
Today · 4.125%
HK$15,926
baseline
▲ 0.50% · 4.625%
HK$16,765
+HK$839/mo
Deposit HK$2.98M · loan HK$2.98M · min. income ≈ HK$31,852/mo (50% DSR)
Upfront cash ≈ HK$3.11M (deposit + AVD stamp duty HK$134,014 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,298
−HK$1,022/mo
▼ 0.25% · 3.875%
HK$16,805
−HK$515/mo
Today · 4.125%
HK$17,320
baseline
▲ 0.50% · 4.625%
HK$18,374
+HK$1,054/mo
Deposit HK$2.38M · loan HK$3.57M · min. income ≈ HK$34,640/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$134,014 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,131
−HK$980/mo
▼ 0.25% · 3.875%
HK$18,617
−HK$494/mo
Today · 4.125%
HK$19,111
baseline
▲ 0.50% · 4.625%
HK$20,118
+HK$1,007/mo
Deposit HK$2.38M · loan HK$3.57M · min. income ≈ HK$38,222/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$134,014 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,014
−HK$1,193/mo
▼ 0.25% · 3.875%
HK$19,606
−HK$601/mo
Today · 4.125%
HK$20,207
baseline
▲ 0.50% · 4.625%
HK$21,436
+HK$1,229/mo
Deposit HK$1.79M · loan HK$4.17M · min. income ≈ HK$40,414/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$134,014 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,153
−HK$1,143/mo
▼ 0.25% · 3.875%
HK$21,720
−HK$576/mo
Today · 4.125%
HK$22,296
baseline
▲ 0.50% · 4.625%
HK$23,471
+HK$1,175/mo
Deposit HK$1.79M · loan HK$4.17M · min. income ≈ HK$44,592/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$134,014 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,447
−HK$1,533/mo
▼ 0.25% · 3.875%
HK$25,207
−HK$773/mo
Today · 4.125%
HK$25,980
baseline
▲ 0.50% · 4.625%
HK$27,561
+HK$1,581/mo
Deposit HK$596K · loan HK$5.36M · min. income ≈ HK$51,960/mo (50% DSR)
Upfront cash ≈ HK$730K (deposit + AVD stamp duty HK$134,014 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,197
−HK$1,469/mo
▼ 0.25% · 3.875%
HK$27,926
−HK$740/mo
Today · 4.125%
HK$28,666
baseline
▲ 0.50% · 4.625%
HK$30,177
+HK$1,511/mo
Deposit HK$596K · loan HK$5.36M · min. income ≈ HK$57,332/mo (50% DSR)
Upfront cash ≈ HK$730K (deposit + AVD stamp duty HK$134,014 · 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).