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$13,599
−HK$853/mo
▼ 0.25% · 3.875%
HK$14,022
−HK$430/mo
Today · 4.125%
HK$14,452
baseline
▲ 0.50% · 4.625%
HK$15,331
+HK$879/mo
Deposit HK$2.98M · loan HK$2.98M · min. income ≈ HK$28,904/mo (50% DSR)
Upfront cash ≈ HK$3.12M (deposit + AVD stamp duty HK$134,186 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,129
−HK$817/mo
▼ 0.25% · 3.875%
HK$15,535
−HK$411/mo
Today · 4.125%
HK$15,946
baseline
▲ 0.50% · 4.625%
HK$16,787
+HK$841/mo
Deposit HK$2.98M · loan HK$2.98M · min. income ≈ HK$31,892/mo (50% DSR)
Upfront cash ≈ HK$3.12M (deposit + AVD stamp duty HK$134,186 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,319
−HK$1,023/mo
▼ 0.25% · 3.875%
HK$16,826
−HK$516/mo
Today · 4.125%
HK$17,342
baseline
▲ 0.50% · 4.625%
HK$18,397
+HK$1,055/mo
Deposit HK$2.39M · loan HK$3.58M · min. income ≈ HK$34,684/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$134,186 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,155
−HK$980/mo
▼ 0.25% · 3.875%
HK$18,641
−HK$494/mo
Today · 4.125%
HK$19,135
baseline
▲ 0.50% · 4.625%
HK$20,144
+HK$1,009/mo
Deposit HK$2.39M · loan HK$3.58M · min. income ≈ HK$38,270/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$134,186 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,039
−HK$1,193/mo
▼ 0.25% · 3.875%
HK$19,631
−HK$601/mo
Today · 4.125%
HK$20,232
baseline
▲ 0.50% · 4.625%
HK$21,464
+HK$1,232/mo
Deposit HK$1.79M · loan HK$4.17M · min. income ≈ HK$40,464/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$134,186 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,180
−HK$1,145/mo
▼ 0.25% · 3.875%
HK$21,748
−HK$577/mo
Today · 4.125%
HK$22,325
baseline
▲ 0.50% · 4.625%
HK$23,501
+HK$1,176/mo
Deposit HK$1.79M · loan HK$4.17M · min. income ≈ HK$44,650/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$134,186 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,478
−HK$1,535/mo
▼ 0.25% · 3.875%
HK$25,240
−HK$773/mo
Today · 4.125%
HK$26,013
baseline
▲ 0.50% · 4.625%
HK$27,596
+HK$1,583/mo
Deposit HK$596K · loan HK$5.37M · min. income ≈ HK$52,026/mo (50% DSR)
Upfront cash ≈ HK$731K (deposit + AVD stamp duty HK$134,186 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,232
−HK$1,471/mo
▼ 0.25% · 3.875%
HK$27,962
−HK$741/mo
Today · 4.125%
HK$28,703
baseline
▲ 0.50% · 4.625%
HK$30,216
+HK$1,513/mo
Deposit HK$596K · loan HK$5.37M · min. income ≈ HK$57,406/mo (50% DSR)
Upfront cash ≈ HK$731K (deposit + AVD stamp duty HK$134,186 · 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).