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$13,590
−HK$852/mo
▼ 0.25% · 3.875%
HK$14,013
−HK$429/mo
Today · 4.125%
HK$14,442
baseline
▲ 0.50% · 4.625%
HK$15,321
+HK$879/mo
Deposit HK$2.98M · loan HK$2.98M · min. income ≈ HK$28,884/mo (50% DSR)
Upfront cash ≈ HK$3.11M (deposit + AVD stamp duty HK$134,095 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,118
−HK$817/mo
▼ 0.25% · 3.875%
HK$15,524
−HK$411/mo
Today · 4.125%
HK$15,935
baseline
▲ 0.50% · 4.625%
HK$16,775
+HK$840/mo
Deposit HK$2.98M · loan HK$2.98M · min. income ≈ HK$31,870/mo (50% DSR)
Upfront cash ≈ HK$3.11M (deposit + AVD stamp duty HK$134,095 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,308
−HK$1,022/mo
▼ 0.25% · 3.875%
HK$16,815
−HK$515/mo
Today · 4.125%
HK$17,330
baseline
▲ 0.50% · 4.625%
HK$18,385
+HK$1,055/mo
Deposit HK$2.38M · loan HK$3.58M · min. income ≈ HK$34,660/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$134,095 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,142
−HK$980/mo
▼ 0.25% · 3.875%
HK$18,629
−HK$493/mo
Today · 4.125%
HK$19,122
baseline
▲ 0.50% · 4.625%
HK$20,130
+HK$1,008/mo
Deposit HK$2.38M · loan HK$3.58M · min. income ≈ HK$38,244/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$134,095 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,026
−HK$1,193/mo
▼ 0.25% · 3.875%
HK$19,618
−HK$601/mo
Today · 4.125%
HK$20,219
baseline
▲ 0.50% · 4.625%
HK$21,449
+HK$1,230/mo
Deposit HK$1.79M · loan HK$4.17M · min. income ≈ HK$40,438/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$134,095 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,166
−HK$1,143/mo
▼ 0.25% · 3.875%
HK$21,734
−HK$575/mo
Today · 4.125%
HK$22,309
baseline
▲ 0.50% · 4.625%
HK$23,485
+HK$1,176/mo
Deposit HK$1.79M · loan HK$4.17M · min. income ≈ HK$44,618/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$134,095 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,462
−HK$1,534/mo
▼ 0.25% · 3.875%
HK$25,223
−HK$773/mo
Today · 4.125%
HK$25,996
baseline
▲ 0.50% · 4.625%
HK$27,577
+HK$1,581/mo
Deposit HK$596K · loan HK$5.36M · min. income ≈ HK$51,992/mo (50% DSR)
Upfront cash ≈ HK$730K (deposit + AVD stamp duty HK$134,095 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,213
−HK$1,471/mo
▼ 0.25% · 3.875%
HK$27,943
−HK$741/mo
Today · 4.125%
HK$28,684
baseline
▲ 0.50% · 4.625%
HK$30,195
+HK$1,511/mo
Deposit HK$596K · loan HK$5.36M · min. income ≈ HK$57,368/mo (50% DSR)
Upfront cash ≈ HK$730K (deposit + AVD stamp duty HK$134,095 · 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).