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$13,657
−HK$856/mo
▼ 0.25% · 3.875%
HK$14,082
−HK$431/mo
Today · 4.125%
HK$14,513
baseline
▲ 0.50% · 4.625%
HK$15,396
+HK$883/mo
Deposit HK$2.99M · loan HK$2.99M · min. income ≈ HK$29,026/mo (50% DSR)
Upfront cash ≈ HK$3.13M (deposit + AVD stamp duty HK$134,756 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,193
−HK$821/mo
▼ 0.25% · 3.875%
HK$15,600
−HK$414/mo
Today · 4.125%
HK$16,014
baseline
▲ 0.50% · 4.625%
HK$16,858
+HK$844/mo
Deposit HK$2.99M · loan HK$2.99M · min. income ≈ HK$32,028/mo (50% DSR)
Upfront cash ≈ HK$3.13M (deposit + AVD stamp duty HK$134,756 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,388
−HK$1,028/mo
▼ 0.25% · 3.875%
HK$16,898
−HK$518/mo
Today · 4.125%
HK$17,416
baseline
▲ 0.50% · 4.625%
HK$18,475
+HK$1,059/mo
Deposit HK$2.40M · loan HK$3.59M · min. income ≈ HK$34,832/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$134,756 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,232
−HK$985/mo
▼ 0.25% · 3.875%
HK$18,721
−HK$496/mo
Today · 4.125%
HK$19,217
baseline
▲ 0.50% · 4.625%
HK$20,230
+HK$1,013/mo
Deposit HK$2.40M · loan HK$3.59M · min. income ≈ HK$38,434/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$134,756 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,119
−HK$1,199/mo
▼ 0.25% · 3.875%
HK$19,714
−HK$604/mo
Today · 4.125%
HK$20,318
baseline
▲ 0.50% · 4.625%
HK$21,555
+HK$1,237/mo
Deposit HK$1.80M · loan HK$4.19M · min. income ≈ HK$40,636/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$134,756 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,270
−HK$1,149/mo
▼ 0.25% · 3.875%
HK$21,841
−HK$578/mo
Today · 4.125%
HK$22,419
baseline
▲ 0.50% · 4.625%
HK$23,601
+HK$1,182/mo
Deposit HK$1.80M · loan HK$4.19M · min. income ≈ HK$44,838/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$134,756 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,582
−HK$1,542/mo
▼ 0.25% · 3.875%
HK$25,347
−HK$777/mo
Today · 4.125%
HK$26,124
baseline
▲ 0.50% · 4.625%
HK$27,713
+HK$1,589/mo
Deposit HK$599K · loan HK$5.39M · min. income ≈ HK$52,248/mo (50% DSR)
Upfront cash ≈ HK$734K (deposit + AVD stamp duty HK$134,756 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,347
−HK$1,478/mo
▼ 0.25% · 3.875%
HK$28,081
−HK$744/mo
Today · 4.125%
HK$28,825
baseline
▲ 0.50% · 4.625%
HK$30,344
+HK$1,519/mo
Deposit HK$599K · loan HK$5.39M · min. income ≈ HK$57,650/mo (50% DSR)
Upfront cash ≈ HK$734K (deposit + AVD stamp duty HK$134,756 · 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).