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$13,571
−HK$851/mo
▼ 0.25% · 3.875%
HK$13,993
−HK$429/mo
Today · 4.125%
HK$14,422
baseline
▲ 0.50% · 4.625%
HK$15,299
+HK$877/mo
Deposit HK$2.98M · loan HK$2.98M · min. income ≈ HK$28,844/mo (50% DSR)
Upfront cash ≈ HK$3.11M (deposit + AVD stamp duty HK$133,908 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,097
−HK$816/mo
▼ 0.25% · 3.875%
HK$15,502
−HK$411/mo
Today · 4.125%
HK$15,913
baseline
▲ 0.50% · 4.625%
HK$16,752
+HK$839/mo
Deposit HK$2.98M · loan HK$2.98M · min. income ≈ HK$31,826/mo (50% DSR)
Upfront cash ≈ HK$3.11M (deposit + AVD stamp duty HK$133,908 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,285
−HK$1,021/mo
▼ 0.25% · 3.875%
HK$16,792
−HK$514/mo
Today · 4.125%
HK$17,306
baseline
▲ 0.50% · 4.625%
HK$18,359
+HK$1,053/mo
Deposit HK$2.38M · loan HK$3.57M · min. income ≈ HK$34,612/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$133,908 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,117
−HK$979/mo
▼ 0.25% · 3.875%
HK$18,603
−HK$493/mo
Today · 4.125%
HK$19,096
baseline
▲ 0.50% · 4.625%
HK$20,102
+HK$1,006/mo
Deposit HK$2.38M · loan HK$3.57M · min. income ≈ HK$38,192/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$133,908 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,999
−HK$1,192/mo
▼ 0.25% · 3.875%
HK$19,590
−HK$601/mo
Today · 4.125%
HK$20,191
baseline
▲ 0.50% · 4.625%
HK$21,419
+HK$1,228/mo
Deposit HK$1.79M · loan HK$4.17M · min. income ≈ HK$40,382/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$133,908 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,136
−HK$1,142/mo
▼ 0.25% · 3.875%
HK$21,703
−HK$575/mo
Today · 4.125%
HK$22,278
baseline
▲ 0.50% · 4.625%
HK$23,453
+HK$1,175/mo
Deposit HK$1.79M · loan HK$4.17M · min. income ≈ HK$44,556/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$133,908 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,428
−HK$1,531/mo
▼ 0.25% · 3.875%
HK$25,187
−HK$772/mo
Today · 4.125%
HK$25,959
baseline
▲ 0.50% · 4.625%
HK$27,539
+HK$1,580/mo
Deposit HK$595K · loan HK$5.36M · min. income ≈ HK$51,918/mo (50% DSR)
Upfront cash ≈ HK$729K (deposit + AVD stamp duty HK$133,908 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,175
−HK$1,469/mo
▼ 0.25% · 3.875%
HK$27,904
−HK$740/mo
Today · 4.125%
HK$28,644
baseline
▲ 0.50% · 4.625%
HK$30,153
+HK$1,509/mo
Deposit HK$595K · loan HK$5.36M · min. income ≈ HK$57,288/mo (50% DSR)
Upfront cash ≈ HK$729K (deposit + AVD stamp duty HK$133,908 · 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).