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$13,577
−HK$852/mo
▼ 0.25% · 3.875%
HK$13,999
−HK$430/mo
Today · 4.125%
HK$14,429
baseline
▲ 0.50% · 4.625%
HK$15,306
+HK$877/mo
Deposit HK$2.98M · loan HK$2.98M · min. income ≈ HK$28,858/mo (50% DSR)
Upfront cash ≈ HK$3.11M (deposit + AVD stamp duty HK$133,970 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,104
−HK$816/mo
▼ 0.25% · 3.875%
HK$15,509
−HK$411/mo
Today · 4.125%
HK$15,920
baseline
▲ 0.50% · 4.625%
HK$16,760
+HK$840/mo
Deposit HK$2.98M · loan HK$2.98M · min. income ≈ HK$31,840/mo (50% DSR)
Upfront cash ≈ HK$3.11M (deposit + AVD stamp duty HK$133,970 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,293
−HK$1,021/mo
▼ 0.25% · 3.875%
HK$16,799
−HK$515/mo
Today · 4.125%
HK$17,314
baseline
▲ 0.50% · 4.625%
HK$18,368
+HK$1,054/mo
Deposit HK$2.38M · loan HK$3.57M · min. income ≈ HK$34,628/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$133,970 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,125
−HK$980/mo
▼ 0.25% · 3.875%
HK$18,611
−HK$494/mo
Today · 4.125%
HK$19,105
baseline
▲ 0.50% · 4.625%
HK$20,112
+HK$1,007/mo
Deposit HK$2.38M · loan HK$3.57M · min. income ≈ HK$38,210/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$133,970 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,008
−HK$1,192/mo
▼ 0.25% · 3.875%
HK$19,599
−HK$601/mo
Today · 4.125%
HK$20,200
baseline
▲ 0.50% · 4.625%
HK$21,429
+HK$1,229/mo
Deposit HK$1.79M · loan HK$4.17M · min. income ≈ HK$40,400/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$133,970 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,146
−HK$1,143/mo
▼ 0.25% · 3.875%
HK$21,713
−HK$576/mo
Today · 4.125%
HK$22,289
baseline
▲ 0.50% · 4.625%
HK$23,463
+HK$1,174/mo
Deposit HK$1.79M · loan HK$4.17M · min. income ≈ HK$44,578/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$133,970 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,439
−HK$1,532/mo
▼ 0.25% · 3.875%
HK$25,199
−HK$772/mo
Today · 4.125%
HK$25,971
baseline
▲ 0.50% · 4.625%
HK$27,552
+HK$1,581/mo
Deposit HK$595K · loan HK$5.36M · min. income ≈ HK$51,942/mo (50% DSR)
Upfront cash ≈ HK$729K (deposit + AVD stamp duty HK$133,970 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,188
−HK$1,469/mo
▼ 0.25% · 3.875%
HK$27,917
−HK$740/mo
Today · 4.125%
HK$28,657
baseline
▲ 0.50% · 4.625%
HK$30,167
+HK$1,510/mo
Deposit HK$595K · loan HK$5.36M · min. income ≈ HK$57,314/mo (50% DSR)
Upfront cash ≈ HK$729K (deposit + AVD stamp duty HK$133,970 · 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).