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$13,611
−HK$853/mo
▼ 0.25% · 3.875%
HK$14,034
−HK$430/mo
Today · 4.125%
HK$14,464
baseline
▲ 0.50% · 4.625%
HK$15,344
+HK$880/mo
Deposit HK$2.98M · loan HK$2.98M · min. income ≈ HK$28,928/mo (50% DSR)
Upfront cash ≈ HK$3.12M (deposit + AVD stamp duty HK$134,300 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,142
−HK$818/mo
▼ 0.25% · 3.875%
HK$15,548
−HK$412/mo
Today · 4.125%
HK$15,960
baseline
▲ 0.50% · 4.625%
HK$16,801
+HK$841/mo
Deposit HK$2.98M · loan HK$2.98M · min. income ≈ HK$31,920/mo (50% DSR)
Upfront cash ≈ HK$3.12M (deposit + AVD stamp duty HK$134,300 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,333
−HK$1,024/mo
▼ 0.25% · 3.875%
HK$16,841
−HK$516/mo
Today · 4.125%
HK$17,357
baseline
▲ 0.50% · 4.625%
HK$18,413
+HK$1,056/mo
Deposit HK$2.39M · loan HK$3.58M · min. income ≈ HK$34,714/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$134,300 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,170
−HK$982/mo
▼ 0.25% · 3.875%
HK$18,657
−HK$495/mo
Today · 4.125%
HK$19,152
baseline
▲ 0.50% · 4.625%
HK$20,161
+HK$1,009/mo
Deposit HK$2.39M · loan HK$3.58M · min. income ≈ HK$38,304/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$134,300 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,055
−HK$1,195/mo
▼ 0.25% · 3.875%
HK$19,648
−HK$602/mo
Today · 4.125%
HK$20,250
baseline
▲ 0.50% · 4.625%
HK$21,482
+HK$1,232/mo
Deposit HK$1.79M · loan HK$4.18M · min. income ≈ HK$40,500/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$134,300 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,198
−HK$1,146/mo
▼ 0.25% · 3.875%
HK$21,767
−HK$577/mo
Today · 4.125%
HK$22,344
baseline
▲ 0.50% · 4.625%
HK$23,521
+HK$1,177/mo
Deposit HK$1.79M · loan HK$4.18M · min. income ≈ HK$44,688/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$134,300 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,499
−HK$1,536/mo
▼ 0.25% · 3.875%
HK$25,261
−HK$774/mo
Today · 4.125%
HK$26,035
baseline
▲ 0.50% · 4.625%
HK$27,620
+HK$1,585/mo
Deposit HK$597K · loan HK$5.37M · min. income ≈ HK$52,070/mo (50% DSR)
Upfront cash ≈ HK$731K (deposit + AVD stamp duty HK$134,300 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,255
−HK$1,472/mo
▼ 0.25% · 3.875%
HK$27,986
−HK$741/mo
Today · 4.125%
HK$28,727
baseline
▲ 0.50% · 4.625%
HK$30,242
+HK$1,515/mo
Deposit HK$597K · loan HK$5.37M · min. income ≈ HK$57,454/mo (50% DSR)
Upfront cash ≈ HK$731K (deposit + AVD stamp duty HK$134,300 · 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).