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$13,594
−HK$852/mo
▼ 0.25% · 3.875%
HK$14,017
−HK$429/mo
Today · 4.125%
HK$14,446
baseline
▲ 0.50% · 4.625%
HK$15,325
+HK$879/mo
Deposit HK$2.98M · loan HK$2.98M · min. income ≈ HK$28,892/mo (50% DSR)
Upfront cash ≈ HK$3.11M (deposit + AVD stamp duty HK$134,136 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,123
−HK$817/mo
▼ 0.25% · 3.875%
HK$15,529
−HK$411/mo
Today · 4.125%
HK$15,940
baseline
▲ 0.50% · 4.625%
HK$16,780
+HK$840/mo
Deposit HK$2.98M · loan HK$2.98M · min. income ≈ HK$31,880/mo (50% DSR)
Upfront cash ≈ HK$3.11M (deposit + AVD stamp duty HK$134,136 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,313
−HK$1,023/mo
▼ 0.25% · 3.875%
HK$16,820
−HK$516/mo
Today · 4.125%
HK$17,336
baseline
▲ 0.50% · 4.625%
HK$18,390
+HK$1,054/mo
Deposit HK$2.38M · loan HK$3.58M · min. income ≈ HK$34,672/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$134,136 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,148
−HK$980/mo
▼ 0.25% · 3.875%
HK$18,634
−HK$494/mo
Today · 4.125%
HK$19,128
baseline
▲ 0.50% · 4.625%
HK$20,136
+HK$1,008/mo
Deposit HK$2.38M · loan HK$3.58M · min. income ≈ HK$38,256/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$134,136 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,031
−HK$1,194/mo
▼ 0.25% · 3.875%
HK$19,623
−HK$602/mo
Today · 4.125%
HK$20,225
baseline
▲ 0.50% · 4.625%
HK$21,456
+HK$1,231/mo
Deposit HK$1.79M · loan HK$4.17M · min. income ≈ HK$40,450/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$134,136 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,172
−HK$1,144/mo
▼ 0.25% · 3.875%
HK$21,740
−HK$576/mo
Today · 4.125%
HK$22,316
baseline
▲ 0.50% · 4.625%
HK$23,493
+HK$1,177/mo
Deposit HK$1.79M · loan HK$4.17M · min. income ≈ HK$44,632/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$134,136 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,469
−HK$1,534/mo
▼ 0.25% · 3.875%
HK$25,230
−HK$773/mo
Today · 4.125%
HK$26,003
baseline
▲ 0.50% · 4.625%
HK$27,586
+HK$1,583/mo
Deposit HK$596K · loan HK$5.37M · min. income ≈ HK$52,006/mo (50% DSR)
Upfront cash ≈ HK$730K (deposit + AVD stamp duty HK$134,136 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,222
−HK$1,470/mo
▼ 0.25% · 3.875%
HK$27,952
−HK$740/mo
Today · 4.125%
HK$28,692
baseline
▲ 0.50% · 4.625%
HK$30,205
+HK$1,513/mo
Deposit HK$596K · loan HK$5.37M · min. income ≈ HK$57,384/mo (50% DSR)
Upfront cash ≈ HK$730K (deposit + AVD stamp duty HK$134,136 · 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).