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$13,575
−HK$851/mo
▼ 0.25% · 3.875%
HK$13,997
−HK$429/mo
Today · 4.125%
HK$14,426
baseline
▲ 0.50% · 4.625%
HK$15,304
+HK$878/mo
Deposit HK$2.98M · loan HK$2.98M · min. income ≈ HK$28,852/mo (50% DSR)
Upfront cash ≈ HK$3.11M (deposit + AVD stamp duty HK$133,950 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,102
−HK$816/mo
▼ 0.25% · 3.875%
HK$15,507
−HK$411/mo
Today · 4.125%
HK$15,918
baseline
▲ 0.50% · 4.625%
HK$16,757
+HK$839/mo
Deposit HK$2.98M · loan HK$2.98M · min. income ≈ HK$31,836/mo (50% DSR)
Upfront cash ≈ HK$3.11M (deposit + AVD stamp duty HK$133,950 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,290
−HK$1,022/mo
▼ 0.25% · 3.875%
HK$16,797
−HK$515/mo
Today · 4.125%
HK$17,312
baseline
▲ 0.50% · 4.625%
HK$18,365
+HK$1,053/mo
Deposit HK$2.38M · loan HK$3.57M · min. income ≈ HK$34,624/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$133,950 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,123
−HK$979/mo
▼ 0.25% · 3.875%
HK$18,609
−HK$493/mo
Today · 4.125%
HK$19,102
baseline
▲ 0.50% · 4.625%
HK$20,109
+HK$1,007/mo
Deposit HK$2.38M · loan HK$3.57M · min. income ≈ HK$38,204/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$133,950 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,005
−HK$1,192/mo
▼ 0.25% · 3.875%
HK$19,596
−HK$601/mo
Today · 4.125%
HK$20,197
baseline
▲ 0.50% · 4.625%
HK$21,426
+HK$1,229/mo
Deposit HK$1.79M · loan HK$4.17M · min. income ≈ HK$40,394/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$133,950 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,143
−HK$1,142/mo
▼ 0.25% · 3.875%
HK$21,710
−HK$575/mo
Today · 4.125%
HK$22,285
baseline
▲ 0.50% · 4.625%
HK$23,460
+HK$1,175/mo
Deposit HK$1.79M · loan HK$4.17M · min. income ≈ HK$44,570/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$133,950 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,435
−HK$1,532/mo
▼ 0.25% · 3.875%
HK$25,195
−HK$772/mo
Today · 4.125%
HK$25,967
baseline
▲ 0.50% · 4.625%
HK$27,547
+HK$1,580/mo
Deposit HK$595K · loan HK$5.36M · min. income ≈ HK$51,934/mo (50% DSR)
Upfront cash ≈ HK$729K (deposit + AVD stamp duty HK$133,950 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,184
−HK$1,468/mo
▼ 0.25% · 3.875%
HK$27,913
−HK$739/mo
Today · 4.125%
HK$28,652
baseline
▲ 0.50% · 4.625%
HK$30,163
+HK$1,511/mo
Deposit HK$595K · loan HK$5.36M · min. income ≈ HK$57,304/mo (50% DSR)
Upfront cash ≈ HK$729K (deposit + AVD stamp duty HK$133,950 · 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).