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$13,605
−HK$853/mo
▼ 0.25% · 3.875%
HK$14,028
−HK$430/mo
Today · 4.125%
HK$14,458
baseline
▲ 0.50% · 4.625%
HK$15,338
+HK$880/mo
Deposit HK$2.98M · loan HK$2.98M · min. income ≈ HK$28,916/mo (50% DSR)
Upfront cash ≈ HK$3.12M (deposit + AVD stamp duty HK$134,248 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,136
−HK$817/mo
▼ 0.25% · 3.875%
HK$15,542
−HK$411/mo
Today · 4.125%
HK$15,953
baseline
▲ 0.50% · 4.625%
HK$16,794
+HK$841/mo
Deposit HK$2.98M · loan HK$2.98M · min. income ≈ HK$31,906/mo (50% DSR)
Upfront cash ≈ HK$3.12M (deposit + AVD stamp duty HK$134,248 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,326
−HK$1,024/mo
▼ 0.25% · 3.875%
HK$16,834
−HK$516/mo
Today · 4.125%
HK$17,350
baseline
▲ 0.50% · 4.625%
HK$18,406
+HK$1,056/mo
Deposit HK$2.39M · loan HK$3.58M · min. income ≈ HK$34,700/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$134,248 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,163
−HK$981/mo
▼ 0.25% · 3.875%
HK$18,650
−HK$494/mo
Today · 4.125%
HK$19,144
baseline
▲ 0.50% · 4.625%
HK$20,153
+HK$1,009/mo
Deposit HK$2.39M · loan HK$3.58M · min. income ≈ HK$38,288/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$134,248 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,047
−HK$1,195/mo
▼ 0.25% · 3.875%
HK$19,640
−HK$602/mo
Today · 4.125%
HK$20,242
baseline
▲ 0.50% · 4.625%
HK$21,473
+HK$1,231/mo
Deposit HK$1.79M · loan HK$4.18M · min. income ≈ HK$40,484/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$134,248 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,190
−HK$1,145/mo
▼ 0.25% · 3.875%
HK$21,758
−HK$577/mo
Today · 4.125%
HK$22,335
baseline
▲ 0.50% · 4.625%
HK$23,512
+HK$1,177/mo
Deposit HK$1.79M · loan HK$4.18M · min. income ≈ HK$44,670/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$134,248 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,489
−HK$1,536/mo
▼ 0.25% · 3.875%
HK$25,251
−HK$774/mo
Today · 4.125%
HK$26,025
baseline
▲ 0.50% · 4.625%
HK$27,609
+HK$1,584/mo
Deposit HK$597K · loan HK$5.37M · min. income ≈ HK$52,050/mo (50% DSR)
Upfront cash ≈ HK$731K (deposit + AVD stamp duty HK$134,248 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,244
−HK$1,472/mo
▼ 0.25% · 3.875%
HK$27,975
−HK$741/mo
Today · 4.125%
HK$28,716
baseline
▲ 0.50% · 4.625%
HK$30,230
+HK$1,514/mo
Deposit HK$597K · loan HK$5.37M · min. income ≈ HK$57,432/mo (50% DSR)
Upfront cash ≈ HK$731K (deposit + AVD stamp duty HK$134,248 · 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).