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$13,581
−HK$852/mo
▼ 0.25% · 3.875%
HK$14,003
−HK$430/mo
Today · 4.125%
HK$14,433
baseline
▲ 0.50% · 4.625%
HK$15,311
+HK$878/mo
Deposit HK$2.98M · loan HK$2.98M · min. income ≈ HK$28,866/mo (50% DSR)
Upfront cash ≈ HK$3.11M (deposit + AVD stamp duty HK$134,007 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,109
−HK$816/mo
▼ 0.25% · 3.875%
HK$15,514
−HK$411/mo
Today · 4.125%
HK$15,925
baseline
▲ 0.50% · 4.625%
HK$16,764
+HK$839/mo
Deposit HK$2.98M · loan HK$2.98M · min. income ≈ HK$31,850/mo (50% DSR)
Upfront cash ≈ HK$3.11M (deposit + AVD stamp duty HK$134,007 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,297
−HK$1,022/mo
▼ 0.25% · 3.875%
HK$16,804
−HK$515/mo
Today · 4.125%
HK$17,319
baseline
▲ 0.50% · 4.625%
HK$18,373
+HK$1,054/mo
Deposit HK$2.38M · loan HK$3.57M · min. income ≈ HK$34,638/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$134,007 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,130
−HK$980/mo
▼ 0.25% · 3.875%
HK$18,617
−HK$493/mo
Today · 4.125%
HK$19,110
baseline
▲ 0.50% · 4.625%
HK$20,117
+HK$1,007/mo
Deposit HK$2.38M · loan HK$3.57M · min. income ≈ HK$38,220/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$134,007 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,013
−HK$1,193/mo
▼ 0.25% · 3.875%
HK$19,605
−HK$601/mo
Today · 4.125%
HK$20,206
baseline
▲ 0.50% · 4.625%
HK$21,435
+HK$1,229/mo
Deposit HK$1.79M · loan HK$4.17M · min. income ≈ HK$40,412/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$134,007 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,152
−HK$1,143/mo
▼ 0.25% · 3.875%
HK$21,719
−HK$576/mo
Today · 4.125%
HK$22,295
baseline
▲ 0.50% · 4.625%
HK$23,470
+HK$1,175/mo
Deposit HK$1.79M · loan HK$4.17M · min. income ≈ HK$44,590/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$134,007 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,446
−HK$1,533/mo
▼ 0.25% · 3.875%
HK$25,206
−HK$773/mo
Today · 4.125%
HK$25,979
baseline
▲ 0.50% · 4.625%
HK$27,559
+HK$1,580/mo
Deposit HK$596K · loan HK$5.36M · min. income ≈ HK$51,958/mo (50% DSR)
Upfront cash ≈ HK$730K (deposit + AVD stamp duty HK$134,007 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,196
−HK$1,469/mo
▼ 0.25% · 3.875%
HK$27,925
−HK$740/mo
Today · 4.125%
HK$28,665
baseline
▲ 0.50% · 4.625%
HK$30,176
+HK$1,511/mo
Deposit HK$596K · loan HK$5.36M · min. income ≈ HK$57,330/mo (50% DSR)
Upfront cash ≈ HK$730K (deposit + AVD stamp duty HK$134,007 · 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).