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$853/mo
▼ 0.25% · 3.875%
HK$14,021
−HK$430/mo
Today · 4.125%
HK$14,451
baseline
▲ 0.50% · 4.625%
HK$15,330
+HK$879/mo
Deposit HK$2.98M · loan HK$2.98M · min. income ≈ HK$28,902/mo (50% DSR)
Upfront cash ≈ HK$3.12M (deposit + AVD stamp duty HK$134,178 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,128
−HK$817/mo
▼ 0.25% · 3.875%
HK$15,534
−HK$411/mo
Today · 4.125%
HK$15,945
baseline
▲ 0.50% · 4.625%
HK$16,786
+HK$841/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$134,178 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,318
−HK$1,023/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$134,178 · 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$20,143
+HK$1,009/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$134,178 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,037
−HK$1,194/mo
▼ 0.25% · 3.875%
HK$19,630
−HK$601/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$134,178 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,179
−HK$1,144/mo
▼ 0.25% · 3.875%
HK$21,747
−HK$576/mo
Today · 4.125%
HK$22,323
baseline
▲ 0.50% · 4.625%
HK$23,500
+HK$1,177/mo
Deposit HK$1.79M · loan HK$4.17M · min. income ≈ HK$44,646/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$134,178 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,477
−HK$1,535/mo
▼ 0.25% · 3.875%
HK$25,238
−HK$774/mo
Today · 4.125%
HK$26,012
baseline
▲ 0.50% · 4.625%
HK$27,594
+HK$1,582/mo
Deposit HK$596K · loan HK$5.37M · min. income ≈ HK$52,024/mo (50% DSR)
Upfront cash ≈ HK$731K (deposit + AVD stamp duty HK$134,178 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,230
−HK$1,471/mo
▼ 0.25% · 3.875%
HK$27,960
−HK$741/mo
Today · 4.125%
HK$28,701
baseline
▲ 0.50% · 4.625%
HK$30,214
+HK$1,513/mo
Deposit HK$596K · loan HK$5.37M · min. income ≈ HK$57,402/mo (50% DSR)
Upfront cash ≈ HK$731K (deposit + AVD stamp duty HK$134,178 · 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).