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$13,603
−HK$853/mo
▼ 0.25% · 3.875%
HK$14,026
−HK$430/mo
Today · 4.125%
HK$14,456
baseline
▲ 0.50% · 4.625%
HK$15,336
+HK$880/mo
Deposit HK$2.98M · loan HK$2.98M · min. income ≈ HK$28,912/mo (50% DSR)
Upfront cash ≈ HK$3.12M (deposit + AVD stamp duty HK$134,226 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,133
−HK$818/mo
▼ 0.25% · 3.875%
HK$15,539
−HK$412/mo
Today · 4.125%
HK$15,951
baseline
▲ 0.50% · 4.625%
HK$16,792
+HK$841/mo
Deposit HK$2.98M · loan HK$2.98M · min. income ≈ HK$31,902/mo (50% DSR)
Upfront cash ≈ HK$3.12M (deposit + AVD stamp duty HK$134,226 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,324
−HK$1,023/mo
▼ 0.25% · 3.875%
HK$16,831
−HK$516/mo
Today · 4.125%
HK$17,347
baseline
▲ 0.50% · 4.625%
HK$18,403
+HK$1,056/mo
Deposit HK$2.39M · loan HK$3.58M · min. income ≈ HK$34,694/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$134,226 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,160
−HK$981/mo
▼ 0.25% · 3.875%
HK$18,647
−HK$494/mo
Today · 4.125%
HK$19,141
baseline
▲ 0.50% · 4.625%
HK$20,150
+HK$1,009/mo
Deposit HK$2.39M · loan HK$3.58M · min. income ≈ HK$38,282/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$134,226 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,044
−HK$1,195/mo
▼ 0.25% · 3.875%
HK$19,637
−HK$602/mo
Today · 4.125%
HK$20,239
baseline
▲ 0.50% · 4.625%
HK$21,470
+HK$1,231/mo
Deposit HK$1.79M · loan HK$4.18M · min. income ≈ HK$40,478/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$134,226 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,187
−HK$1,144/mo
▼ 0.25% · 3.875%
HK$21,755
−HK$576/mo
Today · 4.125%
HK$22,331
baseline
▲ 0.50% · 4.625%
HK$23,508
+HK$1,177/mo
Deposit HK$1.79M · loan HK$4.18M · min. income ≈ HK$44,662/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$134,226 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,486
−HK$1,535/mo
▼ 0.25% · 3.875%
HK$25,247
−HK$774/mo
Today · 4.125%
HK$26,021
baseline
▲ 0.50% · 4.625%
HK$27,604
+HK$1,583/mo
Deposit HK$597K · loan HK$5.37M · min. income ≈ HK$52,042/mo (50% DSR)
Upfront cash ≈ HK$731K (deposit + AVD stamp duty HK$134,226 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,240
−HK$1,472/mo
▼ 0.25% · 3.875%
HK$27,970
−HK$742/mo
Today · 4.125%
HK$28,712
baseline
▲ 0.50% · 4.625%
HK$30,225
+HK$1,513/mo
Deposit HK$597K · loan HK$5.37M · min. income ≈ HK$57,424/mo (50% DSR)
Upfront cash ≈ HK$731K (deposit + AVD stamp duty HK$134,226 · 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).