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$13,595
−HK$852/mo
▼ 0.25% · 3.875%
HK$14,017
−HK$430/mo
Today · 4.125%
HK$14,447
baseline
▲ 0.50% · 4.625%
HK$15,326
+HK$879/mo
Deposit HK$2.98M · loan HK$2.98M · min. income ≈ HK$28,894/mo (50% DSR)
Upfront cash ≈ HK$3.12M (deposit + AVD stamp duty HK$134,143 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,124
−HK$817/mo
▼ 0.25% · 3.875%
HK$15,530
−HK$411/mo
Today · 4.125%
HK$15,941
baseline
▲ 0.50% · 4.625%
HK$16,781
+HK$840/mo
Deposit HK$2.98M · loan HK$2.98M · min. income ≈ HK$31,882/mo (50% DSR)
Upfront cash ≈ HK$3.12M (deposit + AVD stamp duty HK$134,143 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,314
−HK$1,023/mo
▼ 0.25% · 3.875%
HK$16,821
−HK$516/mo
Today · 4.125%
HK$17,337
baseline
▲ 0.50% · 4.625%
HK$18,391
+HK$1,054/mo
Deposit HK$2.38M · loan HK$3.58M · min. income ≈ HK$34,674/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$134,143 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,149
−HK$980/mo
▼ 0.25% · 3.875%
HK$18,635
−HK$494/mo
Today · 4.125%
HK$19,129
baseline
▲ 0.50% · 4.625%
HK$20,138
+HK$1,009/mo
Deposit HK$2.38M · loan HK$3.58M · min. income ≈ HK$38,258/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$134,143 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,032
−HK$1,194/mo
▼ 0.25% · 3.875%
HK$19,624
−HK$602/mo
Today · 4.125%
HK$20,226
baseline
▲ 0.50% · 4.625%
HK$21,457
+HK$1,231/mo
Deposit HK$1.79M · loan HK$4.17M · min. income ≈ HK$40,452/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$134,143 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,173
−HK$1,144/mo
▼ 0.25% · 3.875%
HK$21,741
−HK$576/mo
Today · 4.125%
HK$22,317
baseline
▲ 0.50% · 4.625%
HK$23,494
+HK$1,177/mo
Deposit HK$1.79M · loan HK$4.17M · min. income ≈ HK$44,634/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$134,143 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,470
−HK$1,535/mo
▼ 0.25% · 3.875%
HK$25,231
−HK$774/mo
Today · 4.125%
HK$26,005
baseline
▲ 0.50% · 4.625%
HK$27,587
+HK$1,582/mo
Deposit HK$596K · loan HK$5.37M · min. income ≈ HK$52,010/mo (50% DSR)
Upfront cash ≈ HK$730K (deposit + AVD stamp duty HK$134,143 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,223
−HK$1,471/mo
▼ 0.25% · 3.875%
HK$27,953
−HK$741/mo
Today · 4.125%
HK$28,694
baseline
▲ 0.50% · 4.625%
HK$30,206
+HK$1,512/mo
Deposit HK$596K · loan HK$5.37M · min. income ≈ HK$57,388/mo (50% DSR)
Upfront cash ≈ HK$730K (deposit + AVD stamp duty HK$134,143 · 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).