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$13,584
−HK$851/mo
▼ 0.25% · 3.875%
HK$14,006
−HK$429/mo
Today · 4.125%
HK$14,435
baseline
▲ 0.50% · 4.625%
HK$15,314
+HK$879/mo
Deposit HK$2.98M · loan HK$2.98M · min. income ≈ HK$28,870/mo (50% DSR)
Upfront cash ≈ HK$3.11M (deposit + AVD stamp duty HK$134,034 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,112
−HK$816/mo
▼ 0.25% · 3.875%
HK$15,517
−HK$411/mo
Today · 4.125%
HK$15,928
baseline
▲ 0.50% · 4.625%
HK$16,768
+HK$840/mo
Deposit HK$2.98M · loan HK$2.98M · min. income ≈ HK$31,856/mo (50% DSR)
Upfront cash ≈ HK$3.11M (deposit + AVD stamp duty HK$134,034 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,300
−HK$1,022/mo
▼ 0.25% · 3.875%
HK$16,807
−HK$515/mo
Today · 4.125%
HK$17,322
baseline
▲ 0.50% · 4.625%
HK$18,376
+HK$1,054/mo
Deposit HK$2.38M · loan HK$3.57M · min. income ≈ HK$34,644/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$134,034 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,134
−HK$980/mo
▼ 0.25% · 3.875%
HK$18,620
−HK$494/mo
Today · 4.125%
HK$19,114
baseline
▲ 0.50% · 4.625%
HK$20,121
+HK$1,007/mo
Deposit HK$2.38M · loan HK$3.57M · min. income ≈ HK$38,228/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$134,034 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,017
−HK$1,193/mo
▼ 0.25% · 3.875%
HK$19,609
−HK$601/mo
Today · 4.125%
HK$20,210
baseline
▲ 0.50% · 4.625%
HK$21,439
+HK$1,229/mo
Deposit HK$1.79M · loan HK$4.17M · min. income ≈ HK$40,420/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$134,034 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,156
−HK$1,143/mo
▼ 0.25% · 3.875%
HK$21,724
−HK$575/mo
Today · 4.125%
HK$22,299
baseline
▲ 0.50% · 4.625%
HK$23,475
+HK$1,176/mo
Deposit HK$1.79M · loan HK$4.17M · min. income ≈ HK$44,598/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$134,034 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,450
−HK$1,534/mo
▼ 0.25% · 3.875%
HK$25,211
−HK$773/mo
Today · 4.125%
HK$25,984
baseline
▲ 0.50% · 4.625%
HK$27,565
+HK$1,581/mo
Deposit HK$596K · loan HK$5.36M · min. income ≈ HK$51,968/mo (50% DSR)
Upfront cash ≈ HK$730K (deposit + AVD stamp duty HK$134,034 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,201
−HK$1,469/mo
▼ 0.25% · 3.875%
HK$27,930
−HK$740/mo
Today · 4.125%
HK$28,670
baseline
▲ 0.50% · 4.625%
HK$30,182
+HK$1,512/mo
Deposit HK$596K · loan HK$5.36M · min. income ≈ HK$57,340/mo (50% DSR)
Upfront cash ≈ HK$730K (deposit + AVD stamp duty HK$134,034 · 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).