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$13,587
−HK$853/mo
▼ 0.25% · 3.875%
HK$14,010
−HK$430/mo
Today · 4.125%
HK$14,440
baseline
▲ 0.50% · 4.625%
HK$15,318
+HK$878/mo
Deposit HK$2.98M · loan HK$2.98M · min. income ≈ HK$28,880/mo (50% DSR)
Upfront cash ≈ HK$3.11M (deposit + AVD stamp duty HK$134,072 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,116
−HK$817/mo
▼ 0.25% · 3.875%
HK$15,521
−HK$412/mo
Today · 4.125%
HK$15,933
baseline
▲ 0.50% · 4.625%
HK$16,772
+HK$839/mo
Deposit HK$2.98M · loan HK$2.98M · min. income ≈ HK$31,866/mo (50% DSR)
Upfront cash ≈ HK$3.11M (deposit + AVD stamp duty HK$134,072 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,305
−HK$1,022/mo
▼ 0.25% · 3.875%
HK$16,812
−HK$515/mo
Today · 4.125%
HK$17,327
baseline
▲ 0.50% · 4.625%
HK$18,382
+HK$1,055/mo
Deposit HK$2.38M · loan HK$3.58M · min. income ≈ HK$34,654/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$134,072 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,139
−HK$980/mo
▼ 0.25% · 3.875%
HK$18,626
−HK$493/mo
Today · 4.125%
HK$19,119
baseline
▲ 0.50% · 4.625%
HK$20,127
+HK$1,008/mo
Deposit HK$2.38M · loan HK$3.58M · min. income ≈ HK$38,238/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$134,072 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,022
−HK$1,193/mo
▼ 0.25% · 3.875%
HK$19,614
−HK$601/mo
Today · 4.125%
HK$20,215
baseline
▲ 0.50% · 4.625%
HK$21,445
+HK$1,230/mo
Deposit HK$1.79M · loan HK$4.17M · min. income ≈ HK$40,430/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$134,072 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,162
−HK$1,144/mo
▼ 0.25% · 3.875%
HK$21,730
−HK$576/mo
Today · 4.125%
HK$22,306
baseline
▲ 0.50% · 4.625%
HK$23,481
+HK$1,175/mo
Deposit HK$1.79M · loan HK$4.17M · min. income ≈ HK$44,612/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$134,072 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,457
−HK$1,534/mo
▼ 0.25% · 3.875%
HK$25,218
−HK$773/mo
Today · 4.125%
HK$25,991
baseline
▲ 0.50% · 4.625%
HK$27,573
+HK$1,582/mo
Deposit HK$596K · loan HK$5.36M · min. income ≈ HK$51,982/mo (50% DSR)
Upfront cash ≈ HK$730K (deposit + AVD stamp duty HK$134,072 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,209
−HK$1,470/mo
▼ 0.25% · 3.875%
HK$27,938
−HK$741/mo
Today · 4.125%
HK$28,679
baseline
▲ 0.50% · 4.625%
HK$30,190
+HK$1,511/mo
Deposit HK$596K · loan HK$5.36M · min. income ≈ HK$57,358/mo (50% DSR)
Upfront cash ≈ HK$730K (deposit + AVD stamp duty HK$134,072 · 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).