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$13,640
−HK$856/mo
▼ 0.25% · 3.875%
HK$14,064
−HK$432/mo
Today · 4.125%
HK$14,496
baseline
▲ 0.50% · 4.625%
HK$15,378
+HK$882/mo
Deposit HK$2.99M · loan HK$2.99M · min. income ≈ HK$28,992/mo (50% DSR)
Upfront cash ≈ HK$3.13M (deposit + AVD stamp duty HK$134,592 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,175
−HK$819/mo
▼ 0.25% · 3.875%
HK$15,582
−HK$412/mo
Today · 4.125%
HK$15,994
baseline
▲ 0.50% · 4.625%
HK$16,837
+HK$843/mo
Deposit HK$2.99M · loan HK$2.99M · min. income ≈ HK$31,988/mo (50% DSR)
Upfront cash ≈ HK$3.13M (deposit + AVD stamp duty HK$134,592 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,368
−HK$1,027/mo
▼ 0.25% · 3.875%
HK$16,877
−HK$518/mo
Today · 4.125%
HK$17,395
baseline
▲ 0.50% · 4.625%
HK$18,453
+HK$1,058/mo
Deposit HK$2.39M · loan HK$3.59M · min. income ≈ HK$34,790/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$134,592 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,209
−HK$984/mo
▼ 0.25% · 3.875%
HK$18,698
−HK$495/mo
Today · 4.125%
HK$19,193
baseline
▲ 0.50% · 4.625%
HK$20,205
+HK$1,012/mo
Deposit HK$2.39M · loan HK$3.59M · min. income ≈ HK$38,386/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$134,592 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,096
−HK$1,198/mo
▼ 0.25% · 3.875%
HK$19,690
−HK$604/mo
Today · 4.125%
HK$20,294
baseline
▲ 0.50% · 4.625%
HK$21,529
+HK$1,235/mo
Deposit HK$1.79M · loan HK$4.19M · min. income ≈ HK$40,588/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$134,592 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,244
−HK$1,148/mo
▼ 0.25% · 3.875%
HK$21,814
−HK$578/mo
Today · 4.125%
HK$22,392
baseline
▲ 0.50% · 4.625%
HK$23,572
+HK$1,180/mo
Deposit HK$1.79M · loan HK$4.19M · min. income ≈ HK$44,784/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$134,592 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,552
−HK$1,540/mo
▼ 0.25% · 3.875%
HK$25,316
−HK$776/mo
Today · 4.125%
HK$26,092
baseline
▲ 0.50% · 4.625%
HK$27,680
+HK$1,588/mo
Deposit HK$598K · loan HK$5.38M · min. income ≈ HK$52,184/mo (50% DSR)
Upfront cash ≈ HK$733K (deposit + AVD stamp duty HK$134,592 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,314
−HK$1,476/mo
▼ 0.25% · 3.875%
HK$28,047
−HK$743/mo
Today · 4.125%
HK$28,790
baseline
▲ 0.50% · 4.625%
HK$30,307
+HK$1,517/mo
Deposit HK$598K · loan HK$5.38M · min. income ≈ HK$57,580/mo (50% DSR)
Upfront cash ≈ HK$733K (deposit + AVD stamp duty HK$134,592 · 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).