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$13,569
−HK$851/mo
▼ 0.25% · 3.875%
HK$13,991
−HK$429/mo
Today · 4.125%
HK$14,420
baseline
▲ 0.50% · 4.625%
HK$15,297
+HK$877/mo
Deposit HK$2.98M · loan HK$2.98M · min. income ≈ HK$28,840/mo (50% DSR)
Upfront cash ≈ HK$3.11M (deposit + AVD stamp duty HK$133,891 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,095
−HK$816/mo
▼ 0.25% · 3.875%
HK$15,500
−HK$411/mo
Today · 4.125%
HK$15,911
baseline
▲ 0.50% · 4.625%
HK$16,750
+HK$839/mo
Deposit HK$2.98M · loan HK$2.98M · min. income ≈ HK$31,822/mo (50% DSR)
Upfront cash ≈ HK$3.11M (deposit + AVD stamp duty HK$133,891 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,283
−HK$1,021/mo
▼ 0.25% · 3.875%
HK$16,789
−HK$515/mo
Today · 4.125%
HK$17,304
baseline
▲ 0.50% · 4.625%
HK$18,357
+HK$1,053/mo
Deposit HK$2.38M · loan HK$3.57M · min. income ≈ HK$34,608/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$133,891 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,115
−HK$978/mo
▼ 0.25% · 3.875%
HK$18,600
−HK$493/mo
Today · 4.125%
HK$19,093
baseline
▲ 0.50% · 4.625%
HK$20,100
+HK$1,007/mo
Deposit HK$2.38M · loan HK$3.57M · min. income ≈ HK$38,186/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$133,891 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,997
−HK$1,191/mo
▼ 0.25% · 3.875%
HK$19,588
−HK$600/mo
Today · 4.125%
HK$20,188
baseline
▲ 0.50% · 4.625%
HK$21,416
+HK$1,228/mo
Deposit HK$1.79M · loan HK$4.17M · min. income ≈ HK$40,376/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$133,891 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,134
−HK$1,141/mo
▼ 0.25% · 3.875%
HK$21,700
−HK$575/mo
Today · 4.125%
HK$22,275
baseline
▲ 0.50% · 4.625%
HK$23,450
+HK$1,175/mo
Deposit HK$1.79M · loan HK$4.17M · min. income ≈ HK$44,550/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$133,891 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,424
−HK$1,532/mo
▼ 0.25% · 3.875%
HK$25,184
−HK$772/mo
Today · 4.125%
HK$25,956
baseline
▲ 0.50% · 4.625%
HK$27,535
+HK$1,579/mo
Deposit HK$595K · loan HK$5.36M · min. income ≈ HK$51,912/mo (50% DSR)
Upfront cash ≈ HK$729K (deposit + AVD stamp duty HK$133,891 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,172
−HK$1,468/mo
▼ 0.25% · 3.875%
HK$27,901
−HK$739/mo
Today · 4.125%
HK$28,640
baseline
▲ 0.50% · 4.625%
HK$30,150
+HK$1,510/mo
Deposit HK$595K · loan HK$5.36M · min. income ≈ HK$57,280/mo (50% DSR)
Upfront cash ≈ HK$729K (deposit + AVD stamp duty HK$133,891 · 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).