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$13,585
−HK$852/mo
▼ 0.25% · 3.875%
HK$14,008
−HK$429/mo
Today · 4.125%
HK$14,437
baseline
▲ 0.50% · 4.625%
HK$15,316
+HK$879/mo
Deposit HK$2.98M · loan HK$2.98M · min. income ≈ HK$28,874/mo (50% DSR)
Upfront cash ≈ HK$3.11M (deposit + AVD stamp duty HK$134,050 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,113
−HK$817/mo
▼ 0.25% · 3.875%
HK$15,519
−HK$411/mo
Today · 4.125%
HK$15,930
baseline
▲ 0.50% · 4.625%
HK$16,770
+HK$840/mo
Deposit HK$2.98M · loan HK$2.98M · min. income ≈ HK$31,860/mo (50% DSR)
Upfront cash ≈ HK$3.11M (deposit + AVD stamp duty HK$134,050 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,302
−HK$1,023/mo
▼ 0.25% · 3.875%
HK$16,809
−HK$516/mo
Today · 4.125%
HK$17,325
baseline
▲ 0.50% · 4.625%
HK$18,379
+HK$1,054/mo
Deposit HK$2.38M · loan HK$3.57M · min. income ≈ HK$34,650/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$134,050 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,136
−HK$980/mo
▼ 0.25% · 3.875%
HK$18,622
−HK$494/mo
Today · 4.125%
HK$19,116
baseline
▲ 0.50% · 4.625%
HK$20,124
+HK$1,008/mo
Deposit HK$2.38M · loan HK$3.57M · min. income ≈ HK$38,232/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$134,050 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,019
−HK$1,193/mo
▼ 0.25% · 3.875%
HK$19,611
−HK$601/mo
Today · 4.125%
HK$20,212
baseline
▲ 0.50% · 4.625%
HK$21,442
+HK$1,230/mo
Deposit HK$1.79M · loan HK$4.17M · min. income ≈ HK$40,424/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$134,050 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,159
−HK$1,143/mo
▼ 0.25% · 3.875%
HK$21,726
−HK$576/mo
Today · 4.125%
HK$22,302
baseline
▲ 0.50% · 4.625%
HK$23,477
+HK$1,175/mo
Deposit HK$1.79M · loan HK$4.17M · min. income ≈ HK$44,604/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$134,050 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,453
−HK$1,534/mo
▼ 0.25% · 3.875%
HK$25,214
−HK$773/mo
Today · 4.125%
HK$25,987
baseline
▲ 0.50% · 4.625%
HK$27,568
+HK$1,581/mo
Deposit HK$596K · loan HK$5.36M · min. income ≈ HK$51,974/mo (50% DSR)
Upfront cash ≈ HK$730K (deposit + AVD stamp duty HK$134,050 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,204
−HK$1,470/mo
▼ 0.25% · 3.875%
HK$27,934
−HK$740/mo
Today · 4.125%
HK$28,674
baseline
▲ 0.50% · 4.625%
HK$30,185
+HK$1,511/mo
Deposit HK$596K · loan HK$5.36M · min. income ≈ HK$57,348/mo (50% DSR)
Upfront cash ≈ HK$730K (deposit + AVD stamp duty HK$134,050 · 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).