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$13,582
−HK$852/mo
▼ 0.25% · 3.875%
HK$14,004
−HK$430/mo
Today · 4.125%
HK$14,434
baseline
▲ 0.50% · 4.625%
HK$15,312
+HK$878/mo
Deposit HK$2.98M · loan HK$2.98M · min. income ≈ HK$28,868/mo (50% DSR)
Upfront cash ≈ HK$3.11M (deposit + AVD stamp duty HK$134,018 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,110
−HK$816/mo
▼ 0.25% · 3.875%
HK$15,515
−HK$411/mo
Today · 4.125%
HK$15,926
baseline
▲ 0.50% · 4.625%
HK$16,766
+HK$840/mo
Deposit HK$2.98M · loan HK$2.98M · min. income ≈ HK$31,852/mo (50% DSR)
Upfront cash ≈ HK$3.11M (deposit + AVD stamp duty HK$134,018 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,298
−HK$1,022/mo
▼ 0.25% · 3.875%
HK$16,805
−HK$515/mo
Today · 4.125%
HK$17,320
baseline
▲ 0.50% · 4.625%
HK$18,374
+HK$1,054/mo
Deposit HK$2.38M · loan HK$3.57M · min. income ≈ HK$34,640/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$134,018 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,132
−HK$979/mo
▼ 0.25% · 3.875%
HK$18,618
−HK$493/mo
Today · 4.125%
HK$19,111
baseline
▲ 0.50% · 4.625%
HK$20,119
+HK$1,008/mo
Deposit HK$2.38M · loan HK$3.57M · min. income ≈ HK$38,222/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$134,018 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,015
−HK$1,192/mo
▼ 0.25% · 3.875%
HK$19,606
−HK$601/mo
Today · 4.125%
HK$20,207
baseline
▲ 0.50% · 4.625%
HK$21,437
+HK$1,230/mo
Deposit HK$1.79M · loan HK$4.17M · min. income ≈ HK$40,414/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$134,018 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,154
−HK$1,143/mo
▼ 0.25% · 3.875%
HK$21,721
−HK$576/mo
Today · 4.125%
HK$22,297
baseline
▲ 0.50% · 4.625%
HK$23,472
+HK$1,175/mo
Deposit HK$1.79M · loan HK$4.17M · min. income ≈ HK$44,594/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$134,018 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,448
−HK$1,533/mo
▼ 0.25% · 3.875%
HK$25,208
−HK$773/mo
Today · 4.125%
HK$25,981
baseline
▲ 0.50% · 4.625%
HK$27,562
+HK$1,581/mo
Deposit HK$596K · loan HK$5.36M · min. income ≈ HK$51,962/mo (50% DSR)
Upfront cash ≈ HK$730K (deposit + AVD stamp duty HK$134,018 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,198
−HK$1,469/mo
▼ 0.25% · 3.875%
HK$27,927
−HK$740/mo
Today · 4.125%
HK$28,667
baseline
▲ 0.50% · 4.625%
HK$30,178
+HK$1,511/mo
Deposit HK$596K · loan HK$5.36M · min. income ≈ HK$57,334/mo (50% DSR)
Upfront cash ≈ HK$730K (deposit + AVD stamp duty HK$134,018 · 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).