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$13,602
−HK$853/mo
▼ 0.25% · 3.875%
HK$14,026
−HK$429/mo
Today · 4.125%
HK$14,455
baseline
▲ 0.50% · 4.625%
HK$15,335
+HK$880/mo
Deposit HK$2.98M · loan HK$2.98M · min. income ≈ HK$28,910/mo (50% DSR)
Upfront cash ≈ HK$3.12M (deposit + AVD stamp duty HK$134,220 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,133
−HK$817/mo
▼ 0.25% · 3.875%
HK$15,538
−HK$412/mo
Today · 4.125%
HK$15,950
baseline
▲ 0.50% · 4.625%
HK$16,791
+HK$841/mo
Deposit HK$2.98M · loan HK$2.98M · min. income ≈ HK$31,900/mo (50% DSR)
Upfront cash ≈ HK$3.12M (deposit + AVD stamp duty HK$134,220 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,323
−HK$1,024/mo
▼ 0.25% · 3.875%
HK$16,831
−HK$516/mo
Today · 4.125%
HK$17,347
baseline
▲ 0.50% · 4.625%
HK$18,402
+HK$1,055/mo
Deposit HK$2.39M · loan HK$3.58M · min. income ≈ HK$34,694/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$134,220 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,159
−HK$981/mo
▼ 0.25% · 3.875%
HK$18,646
−HK$494/mo
Today · 4.125%
HK$19,140
baseline
▲ 0.50% · 4.625%
HK$20,149
+HK$1,009/mo
Deposit HK$2.39M · loan HK$3.58M · min. income ≈ HK$38,280/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$134,220 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,043
−HK$1,195/mo
▼ 0.25% · 3.875%
HK$19,636
−HK$602/mo
Today · 4.125%
HK$20,238
baseline
▲ 0.50% · 4.625%
HK$21,469
+HK$1,231/mo
Deposit HK$1.79M · loan HK$4.18M · min. income ≈ HK$40,476/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$134,220 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,186
−HK$1,144/mo
▼ 0.25% · 3.875%
HK$21,754
−HK$576/mo
Today · 4.125%
HK$22,330
baseline
▲ 0.50% · 4.625%
HK$23,507
+HK$1,177/mo
Deposit HK$1.79M · loan HK$4.18M · min. income ≈ HK$44,660/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$134,220 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,484
−HK$1,536/mo
▼ 0.25% · 3.875%
HK$25,246
−HK$774/mo
Today · 4.125%
HK$26,020
baseline
▲ 0.50% · 4.625%
HK$27,603
+HK$1,583/mo
Deposit HK$597K · loan HK$5.37M · min. income ≈ HK$52,040/mo (50% DSR)
Upfront cash ≈ HK$731K (deposit + AVD stamp duty HK$134,220 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,239
−HK$1,471/mo
▼ 0.25% · 3.875%
HK$27,969
−HK$741/mo
Today · 4.125%
HK$28,710
baseline
▲ 0.50% · 4.625%
HK$30,224
+HK$1,514/mo
Deposit HK$597K · loan HK$5.37M · min. income ≈ HK$57,420/mo (50% DSR)
Upfront cash ≈ HK$731K (deposit + AVD stamp duty HK$134,220 · 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).