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$13,568
−HK$851/mo
▼ 0.25% · 3.875%
HK$13,990
−HK$429/mo
Today · 4.125%
HK$14,419
baseline
▲ 0.50% · 4.625%
HK$15,296
+HK$877/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$133,879 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,094
−HK$816/mo
▼ 0.25% · 3.875%
HK$15,499
−HK$411/mo
Today · 4.125%
HK$15,910
baseline
▲ 0.50% · 4.625%
HK$16,748
+HK$838/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$133,879 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,282
−HK$1,021/mo
▼ 0.25% · 3.875%
HK$16,788
−HK$515/mo
Today · 4.125%
HK$17,303
baseline
▲ 0.50% · 4.625%
HK$18,355
+HK$1,052/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$133,879 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,113
−HK$979/mo
▼ 0.25% · 3.875%
HK$18,599
−HK$493/mo
Today · 4.125%
HK$19,092
baseline
▲ 0.50% · 4.625%
HK$20,098
+HK$1,006/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$133,879 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,995
−HK$1,191/mo
▼ 0.25% · 3.875%
HK$19,586
−HK$600/mo
Today · 4.125%
HK$20,186
baseline
▲ 0.50% · 4.625%
HK$21,415
+HK$1,229/mo
Deposit HK$1.79M · loan HK$4.17M · min. income ≈ HK$40,372/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$133,879 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,132
−HK$1,142/mo
▼ 0.25% · 3.875%
HK$21,699
−HK$575/mo
Today · 4.125%
HK$22,274
baseline
▲ 0.50% · 4.625%
HK$23,448
+HK$1,174/mo
Deposit HK$1.79M · loan HK$4.17M · min. income ≈ HK$44,548/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$133,879 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,422
−HK$1,532/mo
▼ 0.25% · 3.875%
HK$25,182
−HK$772/mo
Today · 4.125%
HK$25,954
baseline
▲ 0.50% · 4.625%
HK$27,533
+HK$1,579/mo
Deposit HK$595K · loan HK$5.36M · min. income ≈ HK$51,908/mo (50% DSR)
Upfront cash ≈ HK$729K (deposit + AVD stamp duty HK$133,879 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,170
−HK$1,467/mo
▼ 0.25% · 3.875%
HK$27,898
−HK$739/mo
Today · 4.125%
HK$28,637
baseline
▲ 0.50% · 4.625%
HK$30,147
+HK$1,510/mo
Deposit HK$595K · loan HK$5.36M · min. income ≈ HK$57,274/mo (50% DSR)
Upfront cash ≈ HK$729K (deposit + AVD stamp duty HK$133,879 · 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).