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$13,586
−HK$852/mo
▼ 0.25% · 3.875%
HK$14,009
−HK$429/mo
Today · 4.125%
HK$14,438
baseline
▲ 0.50% · 4.625%
HK$15,317
+HK$879/mo
Deposit HK$2.98M · loan HK$2.98M · min. income ≈ HK$28,876/mo (50% DSR)
Upfront cash ≈ HK$3.11M (deposit + AVD stamp duty HK$134,059 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,114
−HK$817/mo
▼ 0.25% · 3.875%
HK$15,520
−HK$411/mo
Today · 4.125%
HK$15,931
baseline
▲ 0.50% · 4.625%
HK$16,771
+HK$840/mo
Deposit HK$2.98M · loan HK$2.98M · min. income ≈ HK$31,862/mo (50% DSR)
Upfront cash ≈ HK$3.11M (deposit + AVD stamp duty HK$134,059 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,303
−HK$1,023/mo
▼ 0.25% · 3.875%
HK$16,810
−HK$516/mo
Today · 4.125%
HK$17,326
baseline
▲ 0.50% · 4.625%
HK$18,380
+HK$1,054/mo
Deposit HK$2.38M · loan HK$3.57M · min. income ≈ HK$34,652/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$134,059 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,137
−HK$980/mo
▼ 0.25% · 3.875%
HK$18,624
−HK$493/mo
Today · 4.125%
HK$19,117
baseline
▲ 0.50% · 4.625%
HK$20,125
+HK$1,008/mo
Deposit HK$2.38M · loan HK$3.57M · min. income ≈ HK$38,234/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$134,059 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,021
−HK$1,192/mo
▼ 0.25% · 3.875%
HK$19,612
−HK$601/mo
Today · 4.125%
HK$20,213
baseline
▲ 0.50% · 4.625%
HK$21,443
+HK$1,230/mo
Deposit HK$1.79M · loan HK$4.17M · min. income ≈ HK$40,426/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$134,059 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,160
−HK$1,143/mo
▼ 0.25% · 3.875%
HK$21,728
−HK$575/mo
Today · 4.125%
HK$22,303
baseline
▲ 0.50% · 4.625%
HK$23,479
+HK$1,176/mo
Deposit HK$1.79M · loan HK$4.17M · min. income ≈ HK$44,606/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$134,059 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,455
−HK$1,534/mo
▼ 0.25% · 3.875%
HK$25,216
−HK$773/mo
Today · 4.125%
HK$25,989
baseline
▲ 0.50% · 4.625%
HK$27,570
+HK$1,581/mo
Deposit HK$596K · loan HK$5.36M · min. income ≈ HK$51,978/mo (50% DSR)
Upfront cash ≈ HK$730K (deposit + AVD stamp duty HK$134,059 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,206
−HK$1,470/mo
▼ 0.25% · 3.875%
HK$27,936
−HK$740/mo
Today · 4.125%
HK$28,676
baseline
▲ 0.50% · 4.625%
HK$30,187
+HK$1,511/mo
Deposit HK$596K · loan HK$5.36M · min. income ≈ HK$57,352/mo (50% DSR)
Upfront cash ≈ HK$730K (deposit + AVD stamp duty HK$134,059 · 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).