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$13,585
−HK$852/mo
▼ 0.25% · 3.875%
HK$14,008
−HK$429/mo
Today · 4.125%
HK$14,437
baseline
▲ 0.50% · 4.625%
HK$15,315
+HK$878/mo
Deposit HK$2.98M · loan HK$2.98M · min. income ≈ HK$28,874/mo (50% DSR)
Upfront cash ≈ HK$3.11M (deposit + AVD stamp duty HK$134,048 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,113
−HK$817/mo
▼ 0.25% · 3.875%
HK$15,518
−HK$412/mo
Today · 4.125%
HK$15,930
baseline
▲ 0.50% · 4.625%
HK$16,769
+HK$839/mo
Deposit HK$2.98M · loan HK$2.98M · min. income ≈ HK$31,860/mo (50% DSR)
Upfront cash ≈ HK$3.11M (deposit + AVD stamp duty HK$134,048 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,302
−HK$1,022/mo
▼ 0.25% · 3.875%
HK$16,809
−HK$515/mo
Today · 4.125%
HK$17,324
baseline
▲ 0.50% · 4.625%
HK$18,378
+HK$1,054/mo
Deposit HK$2.38M · loan HK$3.57M · min. income ≈ HK$34,648/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$134,048 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,136
−HK$980/mo
▼ 0.25% · 3.875%
HK$18,622
−HK$494/mo
Today · 4.125%
HK$19,116
baseline
▲ 0.50% · 4.625%
HK$20,123
+HK$1,007/mo
Deposit HK$2.38M · loan HK$3.57M · min. income ≈ HK$38,232/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$134,048 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,019
−HK$1,193/mo
▼ 0.25% · 3.875%
HK$19,611
−HK$601/mo
Today · 4.125%
HK$20,212
baseline
▲ 0.50% · 4.625%
HK$21,441
+HK$1,229/mo
Deposit HK$1.79M · loan HK$4.17M · min. income ≈ HK$40,424/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$134,048 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,158
−HK$1,144/mo
▼ 0.25% · 3.875%
HK$21,726
−HK$576/mo
Today · 4.125%
HK$22,302
baseline
▲ 0.50% · 4.625%
HK$23,477
+HK$1,175/mo
Deposit HK$1.79M · loan HK$4.17M · min. income ≈ HK$44,604/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$134,048 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,453
−HK$1,533/mo
▼ 0.25% · 3.875%
HK$25,214
−HK$772/mo
Today · 4.125%
HK$25,986
baseline
▲ 0.50% · 4.625%
HK$27,568
+HK$1,582/mo
Deposit HK$596K · loan HK$5.36M · min. income ≈ HK$51,972/mo (50% DSR)
Upfront cash ≈ HK$730K (deposit + AVD stamp duty HK$134,048 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,204
−HK$1,469/mo
▼ 0.25% · 3.875%
HK$27,933
−HK$740/mo
Today · 4.125%
HK$28,673
baseline
▲ 0.50% · 4.625%
HK$30,185
+HK$1,512/mo
Deposit HK$596K · loan HK$5.36M · min. income ≈ HK$57,346/mo (50% DSR)
Upfront cash ≈ HK$730K (deposit + AVD stamp duty HK$134,048 · 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).