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$13,579
−HK$852/mo
▼ 0.25% · 3.875%
HK$14,002
−HK$429/mo
Today · 4.125%
HK$14,431
baseline
▲ 0.50% · 4.625%
HK$15,309
+HK$878/mo
Deposit HK$2.98M · loan HK$2.98M · min. income ≈ HK$28,862/mo (50% DSR)
Upfront cash ≈ HK$3.11M (deposit + AVD stamp duty HK$133,993 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,107
−HK$816/mo
▼ 0.25% · 3.875%
HK$15,512
−HK$411/mo
Today · 4.125%
HK$15,923
baseline
▲ 0.50% · 4.625%
HK$16,763
+HK$840/mo
Deposit HK$2.98M · loan HK$2.98M · min. income ≈ HK$31,846/mo (50% DSR)
Upfront cash ≈ HK$3.11M (deposit + AVD stamp duty HK$133,993 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,295
−HK$1,022/mo
▼ 0.25% · 3.875%
HK$16,802
−HK$515/mo
Today · 4.125%
HK$17,317
baseline
▲ 0.50% · 4.625%
HK$18,371
+HK$1,054/mo
Deposit HK$2.38M · loan HK$3.57M · min. income ≈ HK$34,634/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$133,993 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,128
−HK$980/mo
▼ 0.25% · 3.875%
HK$18,615
−HK$493/mo
Today · 4.125%
HK$19,108
baseline
▲ 0.50% · 4.625%
HK$20,115
+HK$1,007/mo
Deposit HK$2.38M · loan HK$3.57M · min. income ≈ HK$38,216/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$133,993 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,011
−HK$1,192/mo
▼ 0.25% · 3.875%
HK$19,603
−HK$600/mo
Today · 4.125%
HK$20,203
baseline
▲ 0.50% · 4.625%
HK$21,433
+HK$1,230/mo
Deposit HK$1.79M · loan HK$4.17M · min. income ≈ HK$40,406/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$133,993 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,150
−HK$1,142/mo
▼ 0.25% · 3.875%
HK$21,717
−HK$575/mo
Today · 4.125%
HK$22,292
baseline
▲ 0.50% · 4.625%
HK$23,468
+HK$1,176/mo
Deposit HK$1.79M · loan HK$4.17M · min. income ≈ HK$44,584/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$133,993 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,443
−HK$1,533/mo
▼ 0.25% · 3.875%
HK$25,203
−HK$773/mo
Today · 4.125%
HK$25,976
baseline
▲ 0.50% · 4.625%
HK$27,556
+HK$1,580/mo
Deposit HK$596K · loan HK$5.36M · min. income ≈ HK$51,952/mo (50% DSR)
Upfront cash ≈ HK$730K (deposit + AVD stamp duty HK$133,993 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,193
−HK$1,469/mo
▼ 0.25% · 3.875%
HK$27,922
−HK$740/mo
Today · 4.125%
HK$28,662
baseline
▲ 0.50% · 4.625%
HK$30,173
+HK$1,511/mo
Deposit HK$596K · loan HK$5.36M · min. income ≈ HK$57,324/mo (50% DSR)
Upfront cash ≈ HK$730K (deposit + AVD stamp duty HK$133,993 · 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).