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$13,594
−HK$853/mo
▼ 0.25% · 3.875%
HK$14,017
−HK$430/mo
Today · 4.125%
HK$14,447
baseline
▲ 0.50% · 4.625%
HK$15,326
+HK$879/mo
Deposit HK$2.98M · loan HK$2.98M · min. income ≈ HK$28,894/mo (50% DSR)
Upfront cash ≈ HK$3.11M (deposit + AVD stamp duty HK$134,137 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,123
−HK$817/mo
▼ 0.25% · 3.875%
HK$15,529
−HK$411/mo
Today · 4.125%
HK$15,940
baseline
▲ 0.50% · 4.625%
HK$16,781
+HK$841/mo
Deposit HK$2.98M · loan HK$2.98M · min. income ≈ HK$31,880/mo (50% DSR)
Upfront cash ≈ HK$3.11M (deposit + AVD stamp duty HK$134,137 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,313
−HK$1,023/mo
▼ 0.25% · 3.875%
HK$16,820
−HK$516/mo
Today · 4.125%
HK$17,336
baseline
▲ 0.50% · 4.625%
HK$18,391
+HK$1,055/mo
Deposit HK$2.38M · loan HK$3.58M · min. income ≈ HK$34,672/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$134,137 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,148
−HK$980/mo
▼ 0.25% · 3.875%
HK$18,635
−HK$493/mo
Today · 4.125%
HK$19,128
baseline
▲ 0.50% · 4.625%
HK$20,137
+HK$1,009/mo
Deposit HK$2.38M · loan HK$3.58M · min. income ≈ HK$38,256/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$134,137 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,032
−HK$1,193/mo
▼ 0.25% · 3.875%
HK$19,624
−HK$601/mo
Today · 4.125%
HK$20,225
baseline
▲ 0.50% · 4.625%
HK$21,456
+HK$1,231/mo
Deposit HK$1.79M · loan HK$4.17M · min. income ≈ HK$40,450/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$134,137 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,173
−HK$1,143/mo
▼ 0.25% · 3.875%
HK$21,740
−HK$576/mo
Today · 4.125%
HK$22,316
baseline
▲ 0.50% · 4.625%
HK$23,493
+HK$1,177/mo
Deposit HK$1.79M · loan HK$4.17M · min. income ≈ HK$44,632/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$134,137 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,469
−HK$1,535/mo
▼ 0.25% · 3.875%
HK$25,230
−HK$774/mo
Today · 4.125%
HK$26,004
baseline
▲ 0.50% · 4.625%
HK$27,586
+HK$1,582/mo
Deposit HK$596K · loan HK$5.37M · min. income ≈ HK$52,008/mo (50% DSR)
Upfront cash ≈ HK$730K (deposit + AVD stamp duty HK$134,137 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,222
−HK$1,471/mo
▼ 0.25% · 3.875%
HK$27,952
−HK$741/mo
Today · 4.125%
HK$28,693
baseline
▲ 0.50% · 4.625%
HK$30,205
+HK$1,512/mo
Deposit HK$596K · loan HK$5.37M · min. income ≈ HK$57,386/mo (50% DSR)
Upfront cash ≈ HK$730K (deposit + AVD stamp duty HK$134,137 · 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).