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$13,597
−HK$853/mo
▼ 0.25% · 3.875%
HK$14,020
−HK$430/mo
Today · 4.125%
HK$14,450
baseline
▲ 0.50% · 4.625%
HK$15,329
+HK$879/mo
Deposit HK$2.98M · loan HK$2.98M · min. income ≈ HK$28,900/mo (50% DSR)
Upfront cash ≈ HK$3.12M (deposit + AVD stamp duty HK$134,166 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,126
−HK$818/mo
▼ 0.25% · 3.875%
HK$15,532
−HK$412/mo
Today · 4.125%
HK$15,944
baseline
▲ 0.50% · 4.625%
HK$16,784
+HK$840/mo
Deposit HK$2.98M · loan HK$2.98M · min. income ≈ HK$31,888/mo (50% DSR)
Upfront cash ≈ HK$3.12M (deposit + AVD stamp duty HK$134,166 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,316
−HK$1,024/mo
▼ 0.25% · 3.875%
HK$16,824
−HK$516/mo
Today · 4.125%
HK$17,340
baseline
▲ 0.50% · 4.625%
HK$18,395
+HK$1,055/mo
Deposit HK$2.39M · loan HK$3.58M · min. income ≈ HK$34,680/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$134,166 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,152
−HK$980/mo
▼ 0.25% · 3.875%
HK$18,639
−HK$493/mo
Today · 4.125%
HK$19,132
baseline
▲ 0.50% · 4.625%
HK$20,141
+HK$1,009/mo
Deposit HK$2.39M · loan HK$3.58M · min. income ≈ HK$38,264/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$134,166 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,036
−HK$1,193/mo
▼ 0.25% · 3.875%
HK$19,628
−HK$601/mo
Today · 4.125%
HK$20,229
baseline
▲ 0.50% · 4.625%
HK$21,460
+HK$1,231/mo
Deposit HK$1.79M · loan HK$4.17M · min. income ≈ HK$40,458/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$134,166 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,177
−HK$1,144/mo
▼ 0.25% · 3.875%
HK$21,745
−HK$576/mo
Today · 4.125%
HK$22,321
baseline
▲ 0.50% · 4.625%
HK$23,498
+HK$1,177/mo
Deposit HK$1.79M · loan HK$4.17M · min. income ≈ HK$44,642/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$134,166 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,475
−HK$1,534/mo
▼ 0.25% · 3.875%
HK$25,236
−HK$773/mo
Today · 4.125%
HK$26,009
baseline
▲ 0.50% · 4.625%
HK$27,592
+HK$1,583/mo
Deposit HK$596K · loan HK$5.37M · min. income ≈ HK$52,018/mo (50% DSR)
Upfront cash ≈ HK$730K (deposit + AVD stamp duty HK$134,166 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,228
−HK$1,471/mo
▼ 0.25% · 3.875%
HK$27,958
−HK$741/mo
Today · 4.125%
HK$28,699
baseline
▲ 0.50% · 4.625%
HK$30,211
+HK$1,512/mo
Deposit HK$596K · loan HK$5.37M · min. income ≈ HK$57,398/mo (50% DSR)
Upfront cash ≈ HK$730K (deposit + AVD stamp duty HK$134,166 · 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).