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$13,601
−HK$853/mo
▼ 0.25% · 3.875%
HK$14,024
−HK$430/mo
Today · 4.125%
HK$14,454
baseline
▲ 0.50% · 4.625%
HK$15,333
+HK$879/mo
Deposit HK$2.98M · loan HK$2.98M · min. income ≈ HK$28,908/mo (50% DSR)
Upfront cash ≈ HK$3.12M (deposit + AVD stamp duty HK$134,204 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,131
−HK$817/mo
▼ 0.25% · 3.875%
HK$15,537
−HK$411/mo
Today · 4.125%
HK$15,948
baseline
▲ 0.50% · 4.625%
HK$16,789
+HK$841/mo
Deposit HK$2.98M · loan HK$2.98M · min. income ≈ HK$31,896/mo (50% DSR)
Upfront cash ≈ HK$3.12M (deposit + AVD stamp duty HK$134,204 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,321
−HK$1,023/mo
▼ 0.25% · 3.875%
HK$16,829
−HK$515/mo
Today · 4.125%
HK$17,344
baseline
▲ 0.50% · 4.625%
HK$18,400
+HK$1,056/mo
Deposit HK$2.39M · loan HK$3.58M · min. income ≈ HK$34,688/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$134,204 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,157
−HK$981/mo
▼ 0.25% · 3.875%
HK$18,644
−HK$494/mo
Today · 4.125%
HK$19,138
baseline
▲ 0.50% · 4.625%
HK$20,147
+HK$1,009/mo
Deposit HK$2.39M · loan HK$3.58M · min. income ≈ HK$38,276/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$134,204 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,041
−HK$1,194/mo
▼ 0.25% · 3.875%
HK$19,633
−HK$602/mo
Today · 4.125%
HK$20,235
baseline
▲ 0.50% · 4.625%
HK$21,466
+HK$1,231/mo
Deposit HK$1.79M · loan HK$4.18M · min. income ≈ HK$40,470/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$134,204 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,183
−HK$1,145/mo
▼ 0.25% · 3.875%
HK$21,751
−HK$577/mo
Today · 4.125%
HK$22,328
baseline
▲ 0.50% · 4.625%
HK$23,504
+HK$1,176/mo
Deposit HK$1.79M · loan HK$4.18M · min. income ≈ HK$44,656/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$134,204 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,481
−HK$1,536/mo
▼ 0.25% · 3.875%
HK$25,243
−HK$774/mo
Today · 4.125%
HK$26,017
baseline
▲ 0.50% · 4.625%
HK$27,600
+HK$1,583/mo
Deposit HK$596K · loan HK$5.37M · min. income ≈ HK$52,034/mo (50% DSR)
Upfront cash ≈ HK$731K (deposit + AVD stamp duty HK$134,204 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,235
−HK$1,472/mo
▼ 0.25% · 3.875%
HK$27,966
−HK$741/mo
Today · 4.125%
HK$28,707
baseline
▲ 0.50% · 4.625%
HK$30,220
+HK$1,513/mo
Deposit HK$596K · loan HK$5.37M · min. income ≈ HK$57,414/mo (50% DSR)
Upfront cash ≈ HK$731K (deposit + AVD stamp duty HK$134,204 · 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).