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$13,591
−HK$852/mo
▼ 0.25% · 3.875%
HK$14,014
−HK$429/mo
Today · 4.125%
HK$14,443
baseline
▲ 0.50% · 4.625%
HK$15,322
+HK$879/mo
Deposit HK$2.98M · loan HK$2.98M · min. income ≈ HK$28,886/mo (50% DSR)
Upfront cash ≈ HK$3.11M (deposit + AVD stamp duty HK$134,107 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,120
−HK$817/mo
▼ 0.25% · 3.875%
HK$15,525
−HK$412/mo
Today · 4.125%
HK$15,937
baseline
▲ 0.50% · 4.625%
HK$16,777
+HK$840/mo
Deposit HK$2.98M · loan HK$2.98M · min. income ≈ HK$31,874/mo (50% DSR)
Upfront cash ≈ HK$3.11M (deposit + AVD stamp duty HK$134,107 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,309
−HK$1,023/mo
▼ 0.25% · 3.875%
HK$16,816
−HK$516/mo
Today · 4.125%
HK$17,332
baseline
▲ 0.50% · 4.625%
HK$18,387
+HK$1,055/mo
Deposit HK$2.38M · loan HK$3.58M · min. income ≈ HK$34,664/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$134,107 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,144
−HK$980/mo
▼ 0.25% · 3.875%
HK$18,630
−HK$494/mo
Today · 4.125%
HK$19,124
baseline
▲ 0.50% · 4.625%
HK$20,132
+HK$1,008/mo
Deposit HK$2.38M · loan HK$3.58M · min. income ≈ HK$38,248/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$134,107 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,027
−HK$1,194/mo
▼ 0.25% · 3.875%
HK$19,619
−HK$602/mo
Today · 4.125%
HK$20,221
baseline
▲ 0.50% · 4.625%
HK$21,451
+HK$1,230/mo
Deposit HK$1.79M · loan HK$4.17M · min. income ≈ HK$40,442/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$134,107 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,168
−HK$1,143/mo
▼ 0.25% · 3.875%
HK$21,735
−HK$576/mo
Today · 4.125%
HK$22,311
baseline
▲ 0.50% · 4.625%
HK$23,487
+HK$1,176/mo
Deposit HK$1.79M · loan HK$4.17M · min. income ≈ HK$44,622/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$134,107 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,464
−HK$1,534/mo
▼ 0.25% · 3.875%
HK$25,225
−HK$773/mo
Today · 4.125%
HK$25,998
baseline
▲ 0.50% · 4.625%
HK$27,580
+HK$1,582/mo
Deposit HK$596K · loan HK$5.36M · min. income ≈ HK$51,996/mo (50% DSR)
Upfront cash ≈ HK$730K (deposit + AVD stamp duty HK$134,107 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,216
−HK$1,470/mo
▼ 0.25% · 3.875%
HK$27,946
−HK$740/mo
Today · 4.125%
HK$28,686
baseline
▲ 0.50% · 4.625%
HK$30,198
+HK$1,512/mo
Deposit HK$596K · loan HK$5.36M · min. income ≈ HK$57,372/mo (50% DSR)
Upfront cash ≈ HK$730K (deposit + AVD stamp duty HK$134,107 · 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).