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$13,569
−HK$850/mo
▼ 0.25% · 3.875%
HK$13,991
−HK$428/mo
Today · 4.125%
HK$14,419
baseline
▲ 0.50% · 4.625%
HK$15,297
+HK$878/mo
Deposit HK$2.98M · loan HK$2.98M · min. income ≈ HK$28,838/mo (50% DSR)
Upfront cash ≈ HK$3.11M (deposit + AVD stamp duty HK$133,885 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,095
−HK$815/mo
▼ 0.25% · 3.875%
HK$15,500
−HK$410/mo
Today · 4.125%
HK$15,910
baseline
▲ 0.50% · 4.625%
HK$16,749
+HK$839/mo
Deposit HK$2.98M · loan HK$2.98M · min. income ≈ HK$31,820/mo (50% DSR)
Upfront cash ≈ HK$3.11M (deposit + AVD stamp duty HK$133,885 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,282
−HK$1,021/mo
▼ 0.25% · 3.875%
HK$16,789
−HK$514/mo
Today · 4.125%
HK$17,303
baseline
▲ 0.50% · 4.625%
HK$18,356
+HK$1,053/mo
Deposit HK$2.38M · loan HK$3.57M · min. income ≈ HK$34,606/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$133,885 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,114
−HK$978/mo
▼ 0.25% · 3.875%
HK$18,600
−HK$492/mo
Today · 4.125%
HK$19,092
baseline
▲ 0.50% · 4.625%
HK$20,099
+HK$1,007/mo
Deposit HK$2.38M · loan HK$3.57M · min. income ≈ HK$38,184/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$133,885 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,996
−HK$1,191/mo
▼ 0.25% · 3.875%
HK$19,587
−HK$600/mo
Today · 4.125%
HK$20,187
baseline
▲ 0.50% · 4.625%
HK$21,415
+HK$1,228/mo
Deposit HK$1.79M · loan HK$4.17M · min. income ≈ HK$40,374/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$133,885 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,133
−HK$1,142/mo
▼ 0.25% · 3.875%
HK$21,700
−HK$575/mo
Today · 4.125%
HK$22,275
baseline
▲ 0.50% · 4.625%
HK$23,449
+HK$1,174/mo
Deposit HK$1.79M · loan HK$4.17M · min. income ≈ HK$44,550/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$133,885 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,423
−HK$1,532/mo
▼ 0.25% · 3.875%
HK$25,183
−HK$772/mo
Today · 4.125%
HK$25,955
baseline
▲ 0.50% · 4.625%
HK$27,534
+HK$1,579/mo
Deposit HK$595K · loan HK$5.36M · min. income ≈ HK$51,910/mo (50% DSR)
Upfront cash ≈ HK$729K (deposit + AVD stamp duty HK$133,885 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,171
−HK$1,468/mo
▼ 0.25% · 3.875%
HK$27,899
−HK$740/mo
Today · 4.125%
HK$28,639
baseline
▲ 0.50% · 4.625%
HK$30,148
+HK$1,509/mo
Deposit HK$595K · loan HK$5.36M · min. income ≈ HK$57,278/mo (50% DSR)
Upfront cash ≈ HK$729K (deposit + AVD stamp duty HK$133,885 · 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).