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$13,607
−HK$853/mo
▼ 0.25% · 3.875%
HK$14,030
−HK$430/mo
Today · 4.125%
HK$14,460
baseline
▲ 0.50% · 4.625%
HK$15,340
+HK$880/mo
Deposit HK$2.98M · loan HK$2.98M · min. income ≈ HK$28,920/mo (50% DSR)
Upfront cash ≈ HK$3.12M (deposit + AVD stamp duty HK$134,261 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,137
−HK$818/mo
▼ 0.25% · 3.875%
HK$15,543
−HK$412/mo
Today · 4.125%
HK$15,955
baseline
▲ 0.50% · 4.625%
HK$16,796
+HK$841/mo
Deposit HK$2.98M · loan HK$2.98M · min. income ≈ HK$31,910/mo (50% DSR)
Upfront cash ≈ HK$3.12M (deposit + AVD stamp duty HK$134,261 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,328
−HK$1,024/mo
▼ 0.25% · 3.875%
HK$16,836
−HK$516/mo
Today · 4.125%
HK$17,352
baseline
▲ 0.50% · 4.625%
HK$18,408
+HK$1,056/mo
Deposit HK$2.39M · loan HK$3.58M · min. income ≈ HK$34,704/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$134,261 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,165
−HK$981/mo
▼ 0.25% · 3.875%
HK$18,652
−HK$494/mo
Today · 4.125%
HK$19,146
baseline
▲ 0.50% · 4.625%
HK$20,155
+HK$1,009/mo
Deposit HK$2.39M · loan HK$3.58M · min. income ≈ HK$38,292/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$134,261 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,049
−HK$1,195/mo
▼ 0.25% · 3.875%
HK$19,642
−HK$602/mo
Today · 4.125%
HK$20,244
baseline
▲ 0.50% · 4.625%
HK$21,476
+HK$1,232/mo
Deposit HK$1.79M · loan HK$4.18M · min. income ≈ HK$40,488/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$134,261 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,192
−HK$1,145/mo
▼ 0.25% · 3.875%
HK$21,760
−HK$577/mo
Today · 4.125%
HK$22,337
baseline
▲ 0.50% · 4.625%
HK$23,514
+HK$1,177/mo
Deposit HK$1.79M · loan HK$4.18M · min. income ≈ HK$44,674/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$134,261 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,492
−HK$1,536/mo
▼ 0.25% · 3.875%
HK$25,254
−HK$774/mo
Today · 4.125%
HK$26,028
baseline
▲ 0.50% · 4.625%
HK$27,611
+HK$1,583/mo
Deposit HK$597K · loan HK$5.37M · min. income ≈ HK$52,056/mo (50% DSR)
Upfront cash ≈ HK$731K (deposit + AVD stamp duty HK$134,261 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,247
−HK$1,472/mo
▼ 0.25% · 3.875%
HK$27,978
−HK$741/mo
Today · 4.125%
HK$28,719
baseline
▲ 0.50% · 4.625%
HK$30,233
+HK$1,514/mo
Deposit HK$597K · loan HK$5.37M · min. income ≈ HK$57,438/mo (50% DSR)
Upfront cash ≈ HK$731K (deposit + AVD stamp duty HK$134,261 · 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).