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$15,302
+HK$878/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$133,928 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,100
−HK$815/mo
▼ 0.25% · 3.875%
HK$15,505
−HK$410/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$133,928 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,287
−HK$1,022/mo
▼ 0.25% · 3.875%
HK$16,794
−HK$515/mo
Today · 4.125%
HK$17,309
baseline
▲ 0.50% · 4.625%
HK$18,362
+HK$1,053/mo
Deposit HK$2.38M · loan HK$3.57M · min. income ≈ HK$34,618/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$133,928 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,120
−HK$979/mo
▼ 0.25% · 3.875%
HK$18,606
−HK$493/mo
Today · 4.125%
HK$19,099
baseline
▲ 0.50% · 4.625%
HK$20,105
+HK$1,006/mo
Deposit HK$2.38M · loan HK$3.57M · min. income ≈ HK$38,198/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$133,928 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,002
−HK$1,192/mo
▼ 0.25% · 3.875%
HK$19,593
−HK$601/mo
Today · 4.125%
HK$20,194
baseline
▲ 0.50% · 4.625%
HK$21,422
+HK$1,228/mo
Deposit HK$1.79M · loan HK$4.17M · min. income ≈ HK$40,388/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$133,928 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,140
−HK$1,142/mo
▼ 0.25% · 3.875%
HK$21,707
−HK$575/mo
Today · 4.125%
HK$22,282
baseline
▲ 0.50% · 4.625%
HK$23,456
+HK$1,174/mo
Deposit HK$1.79M · loan HK$4.17M · min. income ≈ HK$44,564/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$133,928 · 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$133,928 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,179
−HK$1,469/mo
▼ 0.25% · 3.875%
HK$27,908
−HK$740/mo
Today · 4.125%
HK$28,648
baseline
▲ 0.50% · 4.625%
HK$30,158
+HK$1,510/mo
Deposit HK$595K · loan HK$5.36M · min. income ≈ HK$57,296/mo (50% DSR)
Upfront cash ≈ HK$729K (deposit + AVD stamp duty HK$133,928 · 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).