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$13,596
−HK$853/mo
▼ 0.25% · 3.875%
HK$14,019
−HK$430/mo
Today · 4.125%
HK$14,449
baseline
▲ 0.50% · 4.625%
HK$15,328
+HK$879/mo
Deposit HK$2.98M · loan HK$2.98M · min. income ≈ HK$28,898/mo (50% DSR)
Upfront cash ≈ HK$3.12M (deposit + AVD stamp duty HK$134,158 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,126
−HK$817/mo
▼ 0.25% · 3.875%
HK$15,531
−HK$412/mo
Today · 4.125%
HK$15,943
baseline
▲ 0.50% · 4.625%
HK$16,783
+HK$840/mo
Deposit HK$2.98M · loan HK$2.98M · min. income ≈ HK$31,886/mo (50% DSR)
Upfront cash ≈ HK$3.12M (deposit + AVD stamp duty HK$134,158 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,315
−HK$1,024/mo
▼ 0.25% · 3.875%
HK$16,823
−HK$516/mo
Today · 4.125%
HK$17,339
baseline
▲ 0.50% · 4.625%
HK$18,394
+HK$1,055/mo
Deposit HK$2.39M · loan HK$3.58M · min. income ≈ HK$34,678/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$134,158 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,151
−HK$980/mo
▼ 0.25% · 3.875%
HK$18,638
−HK$493/mo
Today · 4.125%
HK$19,131
baseline
▲ 0.50% · 4.625%
HK$20,140
+HK$1,009/mo
Deposit HK$2.39M · loan HK$3.58M · min. income ≈ HK$38,262/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$134,158 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,035
−HK$1,193/mo
▼ 0.25% · 3.875%
HK$19,627
−HK$601/mo
Today · 4.125%
HK$20,228
baseline
▲ 0.50% · 4.625%
HK$21,459
+HK$1,231/mo
Deposit HK$1.79M · loan HK$4.17M · min. income ≈ HK$40,456/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$134,158 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,176
−HK$1,144/mo
▼ 0.25% · 3.875%
HK$21,744
−HK$576/mo
Today · 4.125%
HK$22,320
baseline
▲ 0.50% · 4.625%
HK$23,496
+HK$1,176/mo
Deposit HK$1.79M · loan HK$4.17M · min. income ≈ HK$44,640/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$134,158 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,473
−HK$1,535/mo
▼ 0.25% · 3.875%
HK$25,234
−HK$774/mo
Today · 4.125%
HK$26,008
baseline
▲ 0.50% · 4.625%
HK$27,590
+HK$1,582/mo
Deposit HK$596K · loan HK$5.37M · min. income ≈ HK$52,016/mo (50% DSR)
Upfront cash ≈ HK$730K (deposit + AVD stamp duty HK$134,158 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,226
−HK$1,471/mo
▼ 0.25% · 3.875%
HK$27,956
−HK$741/mo
Today · 4.125%
HK$28,697
baseline
▲ 0.50% · 4.625%
HK$30,210
+HK$1,513/mo
Deposit HK$596K · loan HK$5.37M · min. income ≈ HK$57,394/mo (50% DSR)
Upfront cash ≈ HK$730K (deposit + AVD stamp duty HK$134,158 · 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).