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$13,605
−HK$853/mo
▼ 0.25% · 3.875%
HK$14,028
−HK$430/mo
Today · 4.125%
HK$14,458
baseline
▲ 0.50% · 4.625%
HK$15,337
+HK$879/mo
Deposit HK$2.98M · loan HK$2.98M · min. income ≈ HK$28,916/mo (50% DSR)
Upfront cash ≈ HK$3.12M (deposit + AVD stamp duty HK$134,241 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,135
−HK$818/mo
▼ 0.25% · 3.875%
HK$15,541
−HK$412/mo
Today · 4.125%
HK$15,953
baseline
▲ 0.50% · 4.625%
HK$16,794
+HK$841/mo
Deposit HK$2.98M · loan HK$2.98M · min. income ≈ HK$31,906/mo (50% DSR)
Upfront cash ≈ HK$3.12M (deposit + AVD stamp duty HK$134,241 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,326
−HK$1,023/mo
▼ 0.25% · 3.875%
HK$16,833
−HK$516/mo
Today · 4.125%
HK$17,349
baseline
▲ 0.50% · 4.625%
HK$18,405
+HK$1,056/mo
Deposit HK$2.39M · loan HK$3.58M · min. income ≈ HK$34,698/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$134,241 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,162
−HK$981/mo
▼ 0.25% · 3.875%
HK$18,649
−HK$494/mo
Today · 4.125%
HK$19,143
baseline
▲ 0.50% · 4.625%
HK$20,152
+HK$1,009/mo
Deposit HK$2.39M · loan HK$3.58M · min. income ≈ HK$38,286/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$134,241 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,046
−HK$1,195/mo
▼ 0.25% · 3.875%
HK$19,639
−HK$602/mo
Today · 4.125%
HK$20,241
baseline
▲ 0.50% · 4.625%
HK$21,472
+HK$1,231/mo
Deposit HK$1.79M · loan HK$4.18M · min. income ≈ HK$40,482/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$134,241 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,189
−HK$1,145/mo
▼ 0.25% · 3.875%
HK$21,757
−HK$577/mo
Today · 4.125%
HK$22,334
baseline
▲ 0.50% · 4.625%
HK$23,511
+HK$1,177/mo
Deposit HK$1.79M · loan HK$4.18M · min. income ≈ HK$44,668/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$134,241 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,488
−HK$1,536/mo
▼ 0.25% · 3.875%
HK$25,250
−HK$774/mo
Today · 4.125%
HK$26,024
baseline
▲ 0.50% · 4.625%
HK$27,607
+HK$1,583/mo
Deposit HK$597K · loan HK$5.37M · min. income ≈ HK$52,048/mo (50% DSR)
Upfront cash ≈ HK$731K (deposit + AVD stamp duty HK$134,241 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,243
−HK$1,472/mo
▼ 0.25% · 3.875%
HK$27,974
−HK$741/mo
Today · 4.125%
HK$28,715
baseline
▲ 0.50% · 4.625%
HK$30,228
+HK$1,513/mo
Deposit HK$597K · loan HK$5.37M · min. income ≈ HK$57,430/mo (50% DSR)
Upfront cash ≈ HK$731K (deposit + AVD stamp duty HK$134,241 · 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).