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$13,621
−HK$854/mo
▼ 0.25% · 3.875%
HK$14,044
−HK$431/mo
Today · 4.125%
HK$14,475
baseline
▲ 0.50% · 4.625%
HK$15,355
+HK$880/mo
Deposit HK$2.99M · loan HK$2.99M · min. income ≈ HK$28,950/mo (50% DSR)
Upfront cash ≈ HK$3.12M (deposit + AVD stamp duty HK$134,398 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,153
−HK$818/mo
▼ 0.25% · 3.875%
HK$15,559
−HK$412/mo
Today · 4.125%
HK$15,971
baseline
▲ 0.50% · 4.625%
HK$16,813
+HK$842/mo
Deposit HK$2.99M · loan HK$2.99M · min. income ≈ HK$31,942/mo (50% DSR)
Upfront cash ≈ HK$3.12M (deposit + AVD stamp duty HK$134,398 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,345
−HK$1,025/mo
▼ 0.25% · 3.875%
HK$16,853
−HK$517/mo
Today · 4.125%
HK$17,370
baseline
▲ 0.50% · 4.625%
HK$18,426
+HK$1,056/mo
Deposit HK$2.39M · loan HK$3.58M · min. income ≈ HK$34,740/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$134,398 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,183
−HK$983/mo
▼ 0.25% · 3.875%
HK$18,671
−HK$495/mo
Today · 4.125%
HK$19,166
baseline
▲ 0.50% · 4.625%
HK$20,176
+HK$1,010/mo
Deposit HK$2.39M · loan HK$3.58M · min. income ≈ HK$38,332/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$134,398 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,069
−HK$1,195/mo
▼ 0.25% · 3.875%
HK$19,662
−HK$602/mo
Today · 4.125%
HK$20,264
baseline
▲ 0.50% · 4.625%
HK$21,498
+HK$1,234/mo
Deposit HK$1.79M · loan HK$4.18M · min. income ≈ HK$40,528/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$134,398 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,214
−HK$1,146/mo
▼ 0.25% · 3.875%
HK$21,783
−HK$577/mo
Today · 4.125%
HK$22,360
baseline
▲ 0.50% · 4.625%
HK$23,538
+HK$1,178/mo
Deposit HK$1.79M · loan HK$4.18M · min. income ≈ HK$44,720/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$134,398 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,517
−HK$1,537/mo
▼ 0.25% · 3.875%
HK$25,280
−HK$774/mo
Today · 4.125%
HK$26,054
baseline
▲ 0.50% · 4.625%
HK$27,640
+HK$1,586/mo
Deposit HK$597K · loan HK$5.38M · min. income ≈ HK$52,108/mo (50% DSR)
Upfront cash ≈ HK$732K (deposit + AVD stamp duty HK$134,398 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,275
−HK$1,473/mo
▼ 0.25% · 3.875%
HK$28,006
−HK$742/mo
Today · 4.125%
HK$28,748
baseline
▲ 0.50% · 4.625%
HK$30,264
+HK$1,516/mo
Deposit HK$597K · loan HK$5.38M · min. income ≈ HK$57,496/mo (50% DSR)
Upfront cash ≈ HK$732K (deposit + AVD stamp duty HK$134,398 · 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).