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$13,605
−HK$853/mo
▼ 0.25% · 3.875%
HK$14,028
−HK$430/mo
Today · 4.125%
HK$14,458
baseline
▲ 0.50% · 4.625%
HK$15,338
+HK$880/mo
Deposit HK$2.98M · loan HK$2.98M · min. income ≈ HK$28,916/mo (50% DSR)
Upfront cash ≈ HK$3.12M (deposit + AVD stamp duty HK$134,245 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,135
−HK$818/mo
▼ 0.25% · 3.875%
HK$15,541
−HK$412/mo
Today · 4.125%
HK$15,953
baseline
▲ 0.50% · 4.625%
HK$16,794
+HK$841/mo
Deposit HK$2.98M · loan HK$2.98M · min. income ≈ HK$31,906/mo (50% DSR)
Upfront cash ≈ HK$3.12M (deposit + AVD stamp duty HK$134,245 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,326
−HK$1,024/mo
▼ 0.25% · 3.875%
HK$16,834
−HK$516/mo
Today · 4.125%
HK$17,350
baseline
▲ 0.50% · 4.625%
HK$18,405
+HK$1,055/mo
Deposit HK$2.39M · loan HK$3.58M · min. income ≈ HK$34,700/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$134,245 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,162
−HK$982/mo
▼ 0.25% · 3.875%
HK$18,650
−HK$494/mo
Today · 4.125%
HK$19,144
baseline
▲ 0.50% · 4.625%
HK$20,153
+HK$1,009/mo
Deposit HK$2.39M · loan HK$3.58M · min. income ≈ HK$38,288/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$134,245 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,047
−HK$1,194/mo
▼ 0.25% · 3.875%
HK$19,639
−HK$602/mo
Today · 4.125%
HK$20,241
baseline
▲ 0.50% · 4.625%
HK$21,473
+HK$1,232/mo
Deposit HK$1.79M · loan HK$4.18M · min. income ≈ HK$40,482/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$134,245 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,190
−HK$1,144/mo
▼ 0.25% · 3.875%
HK$21,758
−HK$576/mo
Today · 4.125%
HK$22,334
baseline
▲ 0.50% · 4.625%
HK$23,512
+HK$1,178/mo
Deposit HK$1.79M · loan HK$4.18M · min. income ≈ HK$44,668/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$134,245 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,489
−HK$1,536/mo
▼ 0.25% · 3.875%
HK$25,251
−HK$774/mo
Today · 4.125%
HK$26,025
baseline
▲ 0.50% · 4.625%
HK$27,608
+HK$1,583/mo
Deposit HK$597K · loan HK$5.37M · min. income ≈ HK$52,050/mo (50% DSR)
Upfront cash ≈ HK$731K (deposit + AVD stamp duty HK$134,245 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,244
−HK$1,472/mo
▼ 0.25% · 3.875%
HK$27,974
−HK$742/mo
Today · 4.125%
HK$28,716
baseline
▲ 0.50% · 4.625%
HK$30,229
+HK$1,513/mo
Deposit HK$597K · loan HK$5.37M · min. income ≈ HK$57,432/mo (50% DSR)
Upfront cash ≈ HK$731K (deposit + AVD stamp duty HK$134,245 · 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).