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$13,601
−HK$853/mo
▼ 0.25% · 3.875%
HK$14,025
−HK$429/mo
Today · 4.125%
HK$14,454
baseline
▲ 0.50% · 4.625%
HK$15,334
+HK$880/mo
Deposit HK$2.98M · loan HK$2.98M · min. income ≈ HK$28,908/mo (50% DSR)
Upfront cash ≈ HK$3.12M (deposit + AVD stamp duty HK$134,211 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,132
−HK$817/mo
▼ 0.25% · 3.875%
HK$15,537
−HK$412/mo
Today · 4.125%
HK$15,949
baseline
▲ 0.50% · 4.625%
HK$16,790
+HK$841/mo
Deposit HK$2.98M · loan HK$2.98M · min. income ≈ HK$31,898/mo (50% DSR)
Upfront cash ≈ HK$3.12M (deposit + AVD stamp duty HK$134,211 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,322
−HK$1,023/mo
▼ 0.25% · 3.875%
HK$16,829
−HK$516/mo
Today · 4.125%
HK$17,345
baseline
▲ 0.50% · 4.625%
HK$18,401
+HK$1,056/mo
Deposit HK$2.39M · loan HK$3.58M · min. income ≈ HK$34,690/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$134,211 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,158
−HK$981/mo
▼ 0.25% · 3.875%
HK$18,645
−HK$494/mo
Today · 4.125%
HK$19,139
baseline
▲ 0.50% · 4.625%
HK$20,148
+HK$1,009/mo
Deposit HK$2.39M · loan HK$3.58M · min. income ≈ HK$38,278/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$134,211 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,042
−HK$1,194/mo
▼ 0.25% · 3.875%
HK$19,634
−HK$602/mo
Today · 4.125%
HK$20,236
baseline
▲ 0.50% · 4.625%
HK$21,468
+HK$1,232/mo
Deposit HK$1.79M · loan HK$4.18M · min. income ≈ HK$40,472/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$134,211 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,184
−HK$1,145/mo
▼ 0.25% · 3.875%
HK$21,752
−HK$577/mo
Today · 4.125%
HK$22,329
baseline
▲ 0.50% · 4.625%
HK$23,506
+HK$1,177/mo
Deposit HK$1.79M · loan HK$4.18M · min. income ≈ HK$44,658/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$134,211 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,483
−HK$1,535/mo
▼ 0.25% · 3.875%
HK$25,244
−HK$774/mo
Today · 4.125%
HK$26,018
baseline
▲ 0.50% · 4.625%
HK$27,601
+HK$1,583/mo
Deposit HK$596K · loan HK$5.37M · min. income ≈ HK$52,036/mo (50% DSR)
Upfront cash ≈ HK$731K (deposit + AVD stamp duty HK$134,211 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,237
−HK$1,471/mo
▼ 0.25% · 3.875%
HK$27,967
−HK$741/mo
Today · 4.125%
HK$28,708
baseline
▲ 0.50% · 4.625%
HK$30,222
+HK$1,514/mo
Deposit HK$596K · loan HK$5.37M · min. income ≈ HK$57,416/mo (50% DSR)
Upfront cash ≈ HK$731K (deposit + AVD stamp duty HK$134,211 · 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).