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$13,571
−HK$851/mo
▼ 0.25% · 3.875%
HK$13,993
−HK$429/mo
Today · 4.125%
HK$14,422
baseline
▲ 0.50% · 4.625%
HK$15,300
+HK$878/mo
Deposit HK$2.98M · loan HK$2.98M · min. income ≈ HK$28,844/mo (50% DSR)
Upfront cash ≈ HK$3.11M (deposit + AVD stamp duty HK$133,912 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,098
−HK$816/mo
▼ 0.25% · 3.875%
HK$15,503
−HK$411/mo
Today · 4.125%
HK$15,914
baseline
▲ 0.50% · 4.625%
HK$16,752
+HK$838/mo
Deposit HK$2.98M · loan HK$2.98M · min. income ≈ HK$31,828/mo (50% DSR)
Upfront cash ≈ HK$3.11M (deposit + AVD stamp duty HK$133,912 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,285
−HK$1,022/mo
▼ 0.25% · 3.875%
HK$16,792
−HK$515/mo
Today · 4.125%
HK$17,307
baseline
▲ 0.50% · 4.625%
HK$18,360
+HK$1,053/mo
Deposit HK$2.38M · loan HK$3.57M · min. income ≈ HK$34,614/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$133,912 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,117
−HK$979/mo
▼ 0.25% · 3.875%
HK$18,603
−HK$493/mo
Today · 4.125%
HK$19,096
baseline
▲ 0.50% · 4.625%
HK$20,103
+HK$1,007/mo
Deposit HK$2.38M · loan HK$3.57M · min. income ≈ HK$38,192/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$133,912 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,000
−HK$1,191/mo
▼ 0.25% · 3.875%
HK$19,591
−HK$600/mo
Today · 4.125%
HK$20,191
baseline
▲ 0.50% · 4.625%
HK$21,420
+HK$1,229/mo
Deposit HK$1.79M · loan HK$4.17M · min. income ≈ HK$40,382/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$133,912 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,137
−HK$1,142/mo
▼ 0.25% · 3.875%
HK$21,704
−HK$575/mo
Today · 4.125%
HK$22,279
baseline
▲ 0.50% · 4.625%
HK$23,453
+HK$1,174/mo
Deposit HK$1.79M · loan HK$4.17M · min. income ≈ HK$44,558/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$133,912 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,428
−HK$1,532/mo
▼ 0.25% · 3.875%
HK$25,188
−HK$772/mo
Today · 4.125%
HK$25,960
baseline
▲ 0.50% · 4.625%
HK$27,540
+HK$1,580/mo
Deposit HK$595K · loan HK$5.36M · min. income ≈ HK$51,920/mo (50% DSR)
Upfront cash ≈ HK$729K (deposit + AVD stamp duty HK$133,912 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,176
−HK$1,468/mo
▼ 0.25% · 3.875%
HK$27,905
−HK$739/mo
Today · 4.125%
HK$28,644
baseline
▲ 0.50% · 4.625%
HK$30,154
+HK$1,510/mo
Deposit HK$595K · loan HK$5.36M · min. income ≈ HK$57,288/mo (50% DSR)
Upfront cash ≈ HK$729K (deposit + AVD stamp duty HK$133,912 · 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).