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$13,604
−HK$853/mo
▼ 0.25% · 3.875%
HK$14,027
−HK$430/mo
Today · 4.125%
HK$14,457
baseline
▲ 0.50% · 4.625%
HK$15,337
+HK$880/mo
Deposit HK$2.98M · loan HK$2.98M · min. income ≈ HK$28,914/mo (50% DSR)
Upfront cash ≈ HK$3.12M (deposit + AVD stamp duty HK$134,235 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,134
−HK$818/mo
▼ 0.25% · 3.875%
HK$15,540
−HK$412/mo
Today · 4.125%
HK$15,952
baseline
▲ 0.50% · 4.625%
HK$16,793
+HK$841/mo
Deposit HK$2.98M · loan HK$2.98M · min. income ≈ HK$31,904/mo (50% DSR)
Upfront cash ≈ HK$3.12M (deposit + AVD stamp duty HK$134,235 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,325
−HK$1,024/mo
▼ 0.25% · 3.875%
HK$16,833
−HK$516/mo
Today · 4.125%
HK$17,349
baseline
▲ 0.50% · 4.625%
HK$18,404
+HK$1,055/mo
Deposit HK$2.39M · loan HK$3.58M · min. income ≈ HK$34,698/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$134,235 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,161
−HK$981/mo
▼ 0.25% · 3.875%
HK$18,648
−HK$494/mo
Today · 4.125%
HK$19,142
baseline
▲ 0.50% · 4.625%
HK$20,151
+HK$1,009/mo
Deposit HK$2.39M · loan HK$3.58M · min. income ≈ HK$38,284/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$134,235 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,046
−HK$1,194/mo
▼ 0.25% · 3.875%
HK$19,638
−HK$602/mo
Today · 4.125%
HK$20,240
baseline
▲ 0.50% · 4.625%
HK$21,471
+HK$1,231/mo
Deposit HK$1.79M · loan HK$4.18M · min. income ≈ HK$40,480/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$134,235 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,188
−HK$1,145/mo
▼ 0.25% · 3.875%
HK$21,756
−HK$577/mo
Today · 4.125%
HK$22,333
baseline
▲ 0.50% · 4.625%
HK$23,510
+HK$1,177/mo
Deposit HK$1.79M · loan HK$4.18M · min. income ≈ HK$44,666/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$134,235 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,487
−HK$1,536/mo
▼ 0.25% · 3.875%
HK$25,249
−HK$774/mo
Today · 4.125%
HK$26,023
baseline
▲ 0.50% · 4.625%
HK$27,606
+HK$1,583/mo
Deposit HK$597K · loan HK$5.37M · min. income ≈ HK$52,046/mo (50% DSR)
Upfront cash ≈ HK$731K (deposit + AVD stamp duty HK$134,235 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,242
−HK$1,472/mo
▼ 0.25% · 3.875%
HK$27,972
−HK$742/mo
Today · 4.125%
HK$28,714
baseline
▲ 0.50% · 4.625%
HK$30,227
+HK$1,513/mo
Deposit HK$597K · loan HK$5.37M · min. income ≈ HK$57,428/mo (50% DSR)
Upfront cash ≈ HK$731K (deposit + AVD stamp duty HK$134,235 · 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).