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$13,580
−HK$851/mo
▼ 0.25% · 3.875%
HK$14,002
−HK$429/mo
Today · 4.125%
HK$14,431
baseline
▲ 0.50% · 4.625%
HK$15,309
+HK$878/mo
Deposit HK$2.98M · loan HK$2.98M · min. income ≈ HK$28,862/mo (50% DSR)
Upfront cash ≈ HK$3.11M (deposit + AVD stamp duty HK$133,996 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,107
−HK$817/mo
▼ 0.25% · 3.875%
HK$15,513
−HK$411/mo
Today · 4.125%
HK$15,924
baseline
▲ 0.50% · 4.625%
HK$16,763
+HK$839/mo
Deposit HK$2.98M · loan HK$2.98M · min. income ≈ HK$31,848/mo (50% DSR)
Upfront cash ≈ HK$3.11M (deposit + AVD stamp duty HK$133,996 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,296
−HK$1,022/mo
▼ 0.25% · 3.875%
HK$16,803
−HK$515/mo
Today · 4.125%
HK$17,318
baseline
▲ 0.50% · 4.625%
HK$18,371
+HK$1,053/mo
Deposit HK$2.38M · loan HK$3.57M · min. income ≈ HK$34,636/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$133,996 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,129
−HK$979/mo
▼ 0.25% · 3.875%
HK$18,615
−HK$493/mo
Today · 4.125%
HK$19,108
baseline
▲ 0.50% · 4.625%
HK$20,115
+HK$1,007/mo
Deposit HK$2.38M · loan HK$3.57M · min. income ≈ HK$38,216/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$133,996 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,012
−HK$1,192/mo
▼ 0.25% · 3.875%
HK$19,603
−HK$601/mo
Today · 4.125%
HK$20,204
baseline
▲ 0.50% · 4.625%
HK$21,433
+HK$1,229/mo
Deposit HK$1.79M · loan HK$4.17M · min. income ≈ HK$40,408/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$133,996 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,150
−HK$1,143/mo
▼ 0.25% · 3.875%
HK$21,718
−HK$575/mo
Today · 4.125%
HK$22,293
baseline
▲ 0.50% · 4.625%
HK$23,468
+HK$1,175/mo
Deposit HK$1.79M · loan HK$4.17M · min. income ≈ HK$44,586/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$133,996 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,444
−HK$1,532/mo
▼ 0.25% · 3.875%
HK$25,204
−HK$772/mo
Today · 4.125%
HK$25,976
baseline
▲ 0.50% · 4.625%
HK$27,557
+HK$1,581/mo
Deposit HK$596K · loan HK$5.36M · min. income ≈ HK$51,952/mo (50% DSR)
Upfront cash ≈ HK$730K (deposit + AVD stamp duty HK$133,996 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,193
−HK$1,469/mo
▼ 0.25% · 3.875%
HK$27,923
−HK$739/mo
Today · 4.125%
HK$28,662
baseline
▲ 0.50% · 4.625%
HK$30,173
+HK$1,511/mo
Deposit HK$596K · loan HK$5.36M · min. income ≈ HK$57,324/mo (50% DSR)
Upfront cash ≈ HK$730K (deposit + AVD stamp duty HK$133,996 · 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).