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$13,598
−HK$852/mo
▼ 0.25% · 3.875%
HK$14,021
−HK$429/mo
Today · 4.125%
HK$14,450
baseline
▲ 0.50% · 4.625%
HK$15,330
+HK$880/mo
Deposit HK$2.98M · loan HK$2.98M · min. income ≈ HK$28,900/mo (50% DSR)
Upfront cash ≈ HK$3.12M (deposit + AVD stamp duty HK$134,173 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,127
−HK$818/mo
▼ 0.25% · 3.875%
HK$15,533
−HK$412/mo
Today · 4.125%
HK$15,945
baseline
▲ 0.50% · 4.625%
HK$16,785
+HK$840/mo
Deposit HK$2.98M · loan HK$2.98M · min. income ≈ HK$31,890/mo (50% DSR)
Upfront cash ≈ HK$3.12M (deposit + AVD stamp duty HK$134,173 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,317
−HK$1,024/mo
▼ 0.25% · 3.875%
HK$16,825
−HK$516/mo
Today · 4.125%
HK$17,341
baseline
▲ 0.50% · 4.625%
HK$18,396
+HK$1,055/mo
Deposit HK$2.39M · loan HK$3.58M · min. income ≈ HK$34,682/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$134,173 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,153
−HK$981/mo
▼ 0.25% · 3.875%
HK$18,640
−HK$494/mo
Today · 4.125%
HK$19,134
baseline
▲ 0.50% · 4.625%
HK$20,142
+HK$1,008/mo
Deposit HK$2.39M · loan HK$3.58M · min. income ≈ HK$38,268/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$134,173 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,037
−HK$1,194/mo
▼ 0.25% · 3.875%
HK$19,629
−HK$602/mo
Today · 4.125%
HK$20,231
baseline
▲ 0.50% · 4.625%
HK$21,462
+HK$1,231/mo
Deposit HK$1.79M · loan HK$4.17M · min. income ≈ HK$40,462/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$134,173 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,178
−HK$1,144/mo
▼ 0.25% · 3.875%
HK$21,746
−HK$576/mo
Today · 4.125%
HK$22,322
baseline
▲ 0.50% · 4.625%
HK$23,499
+HK$1,177/mo
Deposit HK$1.79M · loan HK$4.17M · min. income ≈ HK$44,644/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$134,173 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,476
−HK$1,535/mo
▼ 0.25% · 3.875%
HK$25,237
−HK$774/mo
Today · 4.125%
HK$26,011
baseline
▲ 0.50% · 4.625%
HK$27,593
+HK$1,582/mo
Deposit HK$596K · loan HK$5.37M · min. income ≈ HK$52,022/mo (50% DSR)
Upfront cash ≈ HK$730K (deposit + AVD stamp duty HK$134,173 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,229
−HK$1,471/mo
▼ 0.25% · 3.875%
HK$27,959
−HK$741/mo
Today · 4.125%
HK$28,700
baseline
▲ 0.50% · 4.625%
HK$30,213
+HK$1,513/mo
Deposit HK$596K · loan HK$5.37M · min. income ≈ HK$57,400/mo (50% DSR)
Upfront cash ≈ HK$730K (deposit + AVD stamp duty HK$134,173 · 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).