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$13,612
−HK$853/mo
▼ 0.25% · 3.875%
HK$14,035
−HK$430/mo
Today · 4.125%
HK$14,465
baseline
▲ 0.50% · 4.625%
HK$15,345
+HK$880/mo
Deposit HK$2.98M · loan HK$2.98M · min. income ≈ HK$28,930/mo (50% DSR)
Upfront cash ≈ HK$3.12M (deposit + AVD stamp duty HK$134,311 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,143
−HK$818/mo
▼ 0.25% · 3.875%
HK$15,549
−HK$412/mo
Today · 4.125%
HK$15,961
baseline
▲ 0.50% · 4.625%
HK$16,802
+HK$841/mo
Deposit HK$2.98M · loan HK$2.98M · min. income ≈ HK$31,922/mo (50% DSR)
Upfront cash ≈ HK$3.12M (deposit + AVD stamp duty HK$134,311 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,334
−HK$1,024/mo
▼ 0.25% · 3.875%
HK$16,842
−HK$516/mo
Today · 4.125%
HK$17,358
baseline
▲ 0.50% · 4.625%
HK$18,414
+HK$1,056/mo
Deposit HK$2.39M · loan HK$3.58M · min. income ≈ HK$34,716/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$134,311 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,171
−HK$982/mo
▼ 0.25% · 3.875%
HK$18,659
−HK$494/mo
Today · 4.125%
HK$19,153
baseline
▲ 0.50% · 4.625%
HK$20,163
+HK$1,010/mo
Deposit HK$2.39M · loan HK$3.58M · min. income ≈ HK$38,306/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$134,311 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,056
−HK$1,195/mo
▼ 0.25% · 3.875%
HK$19,649
−HK$602/mo
Today · 4.125%
HK$20,251
baseline
▲ 0.50% · 4.625%
HK$21,484
+HK$1,233/mo
Deposit HK$1.79M · loan HK$4.18M · min. income ≈ HK$40,502/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$134,311 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,200
−HK$1,145/mo
▼ 0.25% · 3.875%
HK$21,768
−HK$577/mo
Today · 4.125%
HK$22,345
baseline
▲ 0.50% · 4.625%
HK$23,523
+HK$1,178/mo
Deposit HK$1.79M · loan HK$4.18M · min. income ≈ HK$44,690/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$134,311 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,501
−HK$1,536/mo
▼ 0.25% · 3.875%
HK$25,263
−HK$774/mo
Today · 4.125%
HK$26,037
baseline
▲ 0.50% · 4.625%
HK$27,622
+HK$1,585/mo
Deposit HK$597K · loan HK$5.37M · min. income ≈ HK$52,074/mo (50% DSR)
Upfront cash ≈ HK$731K (deposit + AVD stamp duty HK$134,311 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,257
−HK$1,473/mo
▼ 0.25% · 3.875%
HK$27,988
−HK$742/mo
Today · 4.125%
HK$28,730
baseline
▲ 0.50% · 4.625%
HK$30,244
+HK$1,514/mo
Deposit HK$597K · loan HK$5.37M · min. income ≈ HK$57,460/mo (50% DSR)
Upfront cash ≈ HK$731K (deposit + AVD stamp duty HK$134,311 · 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).