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$13,588
−HK$852/mo
▼ 0.25% · 3.875%
HK$14,011
−HK$429/mo
Today · 4.125%
HK$14,440
baseline
▲ 0.50% · 4.625%
HK$15,319
+HK$879/mo
Deposit HK$2.98M · loan HK$2.98M · min. income ≈ HK$28,880/mo (50% DSR)
Upfront cash ≈ HK$3.11M (deposit + AVD stamp duty HK$134,079 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,117
−HK$816/mo
▼ 0.25% · 3.875%
HK$15,522
−HK$411/mo
Today · 4.125%
HK$15,933
baseline
▲ 0.50% · 4.625%
HK$16,773
+HK$840/mo
Deposit HK$2.98M · loan HK$2.98M · min. income ≈ HK$31,866/mo (50% DSR)
Upfront cash ≈ HK$3.11M (deposit + AVD stamp duty HK$134,079 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,306
−HK$1,022/mo
▼ 0.25% · 3.875%
HK$16,813
−HK$515/mo
Today · 4.125%
HK$17,328
baseline
▲ 0.50% · 4.625%
HK$18,383
+HK$1,055/mo
Deposit HK$2.38M · loan HK$3.58M · min. income ≈ HK$34,656/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$134,079 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,140
−HK$980/mo
▼ 0.25% · 3.875%
HK$18,627
−HK$493/mo
Today · 4.125%
HK$19,120
baseline
▲ 0.50% · 4.625%
HK$20,128
+HK$1,008/mo
Deposit HK$2.38M · loan HK$3.58M · min. income ≈ HK$38,240/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$134,079 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,023
−HK$1,193/mo
▼ 0.25% · 3.875%
HK$19,615
−HK$601/mo
Today · 4.125%
HK$20,216
baseline
▲ 0.50% · 4.625%
HK$21,446
+HK$1,230/mo
Deposit HK$1.79M · loan HK$4.17M · min. income ≈ HK$40,432/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$134,079 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,163
−HK$1,144/mo
▼ 0.25% · 3.875%
HK$21,731
−HK$576/mo
Today · 4.125%
HK$22,307
baseline
▲ 0.50% · 4.625%
HK$23,483
+HK$1,176/mo
Deposit HK$1.79M · loan HK$4.17M · min. income ≈ HK$44,614/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$134,079 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,459
−HK$1,533/mo
▼ 0.25% · 3.875%
HK$25,219
−HK$773/mo
Today · 4.125%
HK$25,992
baseline
▲ 0.50% · 4.625%
HK$27,574
+HK$1,582/mo
Deposit HK$596K · loan HK$5.36M · min. income ≈ HK$51,984/mo (50% DSR)
Upfront cash ≈ HK$730K (deposit + AVD stamp duty HK$134,079 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,210
−HK$1,470/mo
▼ 0.25% · 3.875%
HK$27,940
−HK$740/mo
Today · 4.125%
HK$28,680
baseline
▲ 0.50% · 4.625%
HK$30,192
+HK$1,512/mo
Deposit HK$596K · loan HK$5.36M · min. income ≈ HK$57,360/mo (50% DSR)
Upfront cash ≈ HK$730K (deposit + AVD stamp duty HK$134,079 · 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).