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$13,576
−HK$852/mo
▼ 0.25% · 3.875%
HK$13,999
−HK$429/mo
Today · 4.125%
HK$14,428
baseline
▲ 0.50% · 4.625%
HK$15,306
+HK$878/mo
Deposit HK$2.98M · loan HK$2.98M · min. income ≈ HK$28,856/mo (50% DSR)
Upfront cash ≈ HK$3.11M (deposit + AVD stamp duty HK$133,962 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,103
−HK$816/mo
▼ 0.25% · 3.875%
HK$15,509
−HK$410/mo
Today · 4.125%
HK$15,919
baseline
▲ 0.50% · 4.625%
HK$16,759
+HK$840/mo
Deposit HK$2.98M · loan HK$2.98M · min. income ≈ HK$31,838/mo (50% DSR)
Upfront cash ≈ HK$3.11M (deposit + AVD stamp duty HK$133,962 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,292
−HK$1,021/mo
▼ 0.25% · 3.875%
HK$16,798
−HK$515/mo
Today · 4.125%
HK$17,313
baseline
▲ 0.50% · 4.625%
HK$18,367
+HK$1,054/mo
Deposit HK$2.38M · loan HK$3.57M · min. income ≈ HK$34,626/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$133,962 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,124
−HK$979/mo
▼ 0.25% · 3.875%
HK$18,610
−HK$493/mo
Today · 4.125%
HK$19,103
baseline
▲ 0.50% · 4.625%
HK$20,110
+HK$1,007/mo
Deposit HK$2.38M · loan HK$3.57M · min. income ≈ HK$38,206/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$133,962 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,007
−HK$1,192/mo
▼ 0.25% · 3.875%
HK$19,598
−HK$601/mo
Today · 4.125%
HK$20,199
baseline
▲ 0.50% · 4.625%
HK$21,428
+HK$1,229/mo
Deposit HK$1.79M · loan HK$4.17M · min. income ≈ HK$40,398/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$133,962 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,145
−HK$1,142/mo
▼ 0.25% · 3.875%
HK$21,712
−HK$575/mo
Today · 4.125%
HK$22,287
baseline
▲ 0.50% · 4.625%
HK$23,462
+HK$1,175/mo
Deposit HK$1.79M · loan HK$4.17M · min. income ≈ HK$44,574/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$133,962 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,437
−HK$1,533/mo
▼ 0.25% · 3.875%
HK$25,197
−HK$773/mo
Today · 4.125%
HK$25,970
baseline
▲ 0.50% · 4.625%
HK$27,550
+HK$1,580/mo
Deposit HK$595K · loan HK$5.36M · min. income ≈ HK$51,940/mo (50% DSR)
Upfront cash ≈ HK$729K (deposit + AVD stamp duty HK$133,962 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,186
−HK$1,469/mo
▼ 0.25% · 3.875%
HK$27,915
−HK$740/mo
Today · 4.125%
HK$28,655
baseline
▲ 0.50% · 4.625%
HK$30,166
+HK$1,511/mo
Deposit HK$595K · loan HK$5.36M · min. income ≈ HK$57,310/mo (50% DSR)
Upfront cash ≈ HK$729K (deposit + AVD stamp duty HK$133,962 · 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).