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$13,607
−HK$854/mo
▼ 0.25% · 3.875%
HK$14,031
−HK$430/mo
Today · 4.125%
HK$14,461
baseline
▲ 0.50% · 4.625%
HK$15,341
+HK$880/mo
Deposit HK$2.98M · loan HK$2.98M · min. income ≈ HK$28,922/mo (50% DSR)
Upfront cash ≈ HK$3.12M (deposit + AVD stamp duty HK$134,269 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,138
−HK$818/mo
▼ 0.25% · 3.875%
HK$15,544
−HK$412/mo
Today · 4.125%
HK$15,956
baseline
▲ 0.50% · 4.625%
HK$16,797
+HK$841/mo
Deposit HK$2.98M · loan HK$2.98M · min. income ≈ HK$31,912/mo (50% DSR)
Upfront cash ≈ HK$3.12M (deposit + AVD stamp duty HK$134,269 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,329
−HK$1,024/mo
▼ 0.25% · 3.875%
HK$16,837
−HK$516/mo
Today · 4.125%
HK$17,353
baseline
▲ 0.50% · 4.625%
HK$18,409
+HK$1,056/mo
Deposit HK$2.39M · loan HK$3.58M · min. income ≈ HK$34,706/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$134,269 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,166
−HK$981/mo
▼ 0.25% · 3.875%
HK$18,653
−HK$494/mo
Today · 4.125%
HK$19,147
baseline
▲ 0.50% · 4.625%
HK$20,156
+HK$1,009/mo
Deposit HK$2.39M · loan HK$3.58M · min. income ≈ HK$38,294/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$134,269 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,050
−HK$1,195/mo
▼ 0.25% · 3.875%
HK$19,643
−HK$602/mo
Today · 4.125%
HK$20,245
baseline
▲ 0.50% · 4.625%
HK$21,477
+HK$1,232/mo
Deposit HK$1.79M · loan HK$4.18M · min. income ≈ HK$40,490/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$134,269 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,193
−HK$1,145/mo
▼ 0.25% · 3.875%
HK$21,762
−HK$576/mo
Today · 4.125%
HK$22,338
baseline
▲ 0.50% · 4.625%
HK$23,516
+HK$1,178/mo
Deposit HK$1.79M · loan HK$4.18M · min. income ≈ HK$44,676/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$134,269 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,493
−HK$1,536/mo
▼ 0.25% · 3.875%
HK$25,255
−HK$774/mo
Today · 4.125%
HK$26,029
baseline
▲ 0.50% · 4.625%
HK$27,613
+HK$1,584/mo
Deposit HK$597K · loan HK$5.37M · min. income ≈ HK$52,058/mo (50% DSR)
Upfront cash ≈ HK$731K (deposit + AVD stamp duty HK$134,269 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,248
−HK$1,473/mo
▼ 0.25% · 3.875%
HK$27,979
−HK$742/mo
Today · 4.125%
HK$28,721
baseline
▲ 0.50% · 4.625%
HK$30,235
+HK$1,514/mo
Deposit HK$597K · loan HK$5.37M · min. income ≈ HK$57,442/mo (50% DSR)
Upfront cash ≈ HK$731K (deposit + AVD stamp duty HK$134,269 · 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).