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$854/mo
▼ 0.25% · 3.875%
HK$14,029
−HK$430/mo
Today · 4.125%
HK$14,459
baseline
▲ 0.50% · 4.625%
HK$15,338
+HK$879/mo
Deposit HK$2.98M · loan HK$2.98M · min. income ≈ HK$28,918/mo (50% DSR)
Upfront cash ≈ HK$3.12M (deposit + AVD stamp duty HK$134,250 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,136
−HK$818/mo
▼ 0.25% · 3.875%
HK$15,542
−HK$412/mo
Today · 4.125%
HK$15,954
baseline
▲ 0.50% · 4.625%
HK$16,795
+HK$841/mo
Deposit HK$2.98M · loan HK$2.98M · min. income ≈ HK$31,908/mo (50% DSR)
Upfront cash ≈ HK$3.12M (deposit + AVD stamp duty HK$134,250 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,327
−HK$1,023/mo
▼ 0.25% · 3.875%
HK$16,834
−HK$516/mo
Today · 4.125%
HK$17,350
baseline
▲ 0.50% · 4.625%
HK$18,406
+HK$1,056/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$134,250 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,163
−HK$981/mo
▼ 0.25% · 3.875%
HK$18,650
−HK$494/mo
Today · 4.125%
HK$19,144
baseline
▲ 0.50% · 4.625%
HK$20,154
+HK$1,010/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$134,250 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,048
−HK$1,194/mo
▼ 0.25% · 3.875%
HK$19,640
−HK$602/mo
Today · 4.125%
HK$20,242
baseline
▲ 0.50% · 4.625%
HK$21,474
+HK$1,232/mo
Deposit HK$1.79M · loan HK$4.18M · min. income ≈ HK$40,484/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$134,250 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,190
−HK$1,145/mo
▼ 0.25% · 3.875%
HK$21,759
−HK$576/mo
Today · 4.125%
HK$22,335
baseline
▲ 0.50% · 4.625%
HK$23,513
+HK$1,178/mo
Deposit HK$1.79M · loan HK$4.18M · min. income ≈ HK$44,670/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$134,250 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,490
−HK$1,536/mo
▼ 0.25% · 3.875%
HK$25,252
−HK$774/mo
Today · 4.125%
HK$26,026
baseline
▲ 0.50% · 4.625%
HK$27,609
+HK$1,583/mo
Deposit HK$597K · loan HK$5.37M · min. income ≈ HK$52,052/mo (50% DSR)
Upfront cash ≈ HK$731K (deposit + AVD stamp duty HK$134,250 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,245
−HK$1,472/mo
▼ 0.25% · 3.875%
HK$27,975
−HK$742/mo
Today · 4.125%
HK$28,717
baseline
▲ 0.50% · 4.625%
HK$30,230
+HK$1,513/mo
Deposit HK$597K · loan HK$5.37M · min. income ≈ HK$57,434/mo (50% DSR)
Upfront cash ≈ HK$731K (deposit + AVD stamp duty HK$134,250 · 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).