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$13,573
−HK$851/mo
▼ 0.25% · 3.875%
HK$13,995
−HK$429/mo
Today · 4.125%
HK$14,424
baseline
▲ 0.50% · 4.625%
HK$15,301
+HK$877/mo
Deposit HK$2.98M · loan HK$2.98M · min. income ≈ HK$28,848/mo (50% DSR)
Upfront cash ≈ HK$3.11M (deposit + AVD stamp duty HK$133,926 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,099
−HK$816/mo
▼ 0.25% · 3.875%
HK$15,504
−HK$411/mo
Today · 4.125%
HK$15,915
baseline
▲ 0.50% · 4.625%
HK$16,754
+HK$839/mo
Deposit HK$2.98M · loan HK$2.98M · min. income ≈ HK$31,830/mo (50% DSR)
Upfront cash ≈ HK$3.11M (deposit + AVD stamp duty HK$133,926 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,287
−HK$1,021/mo
▼ 0.25% · 3.875%
HK$16,794
−HK$514/mo
Today · 4.125%
HK$17,308
baseline
▲ 0.50% · 4.625%
HK$18,362
+HK$1,054/mo
Deposit HK$2.38M · loan HK$3.57M · min. income ≈ HK$34,616/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$133,926 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,119
−HK$979/mo
▼ 0.25% · 3.875%
HK$18,605
−HK$493/mo
Today · 4.125%
HK$19,098
baseline
▲ 0.50% · 4.625%
HK$20,105
+HK$1,007/mo
Deposit HK$2.38M · loan HK$3.57M · min. income ≈ HK$38,196/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$133,926 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,002
−HK$1,191/mo
▼ 0.25% · 3.875%
HK$19,593
−HK$600/mo
Today · 4.125%
HK$20,193
baseline
▲ 0.50% · 4.625%
HK$21,422
+HK$1,229/mo
Deposit HK$1.79M · loan HK$4.17M · min. income ≈ HK$40,386/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$133,926 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,139
−HK$1,142/mo
▼ 0.25% · 3.875%
HK$21,706
−HK$575/mo
Today · 4.125%
HK$22,281
baseline
▲ 0.50% · 4.625%
HK$23,456
+HK$1,175/mo
Deposit HK$1.79M · loan HK$4.17M · min. income ≈ HK$44,562/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$133,926 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,431
−HK$1,532/mo
▼ 0.25% · 3.875%
HK$25,191
−HK$772/mo
Today · 4.125%
HK$25,963
baseline
▲ 0.50% · 4.625%
HK$27,543
+HK$1,580/mo
Deposit HK$595K · loan HK$5.36M · min. income ≈ HK$51,926/mo (50% DSR)
Upfront cash ≈ HK$729K (deposit + AVD stamp duty HK$133,926 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,179
−HK$1,468/mo
▼ 0.25% · 3.875%
HK$27,908
−HK$739/mo
Today · 4.125%
HK$28,647
baseline
▲ 0.50% · 4.625%
HK$30,157
+HK$1,510/mo
Deposit HK$595K · loan HK$5.36M · min. income ≈ HK$57,294/mo (50% DSR)
Upfront cash ≈ HK$729K (deposit + AVD stamp duty HK$133,926 · 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).