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$13,616
−HK$853/mo
▼ 0.25% · 3.875%
HK$14,039
−HK$430/mo
Today · 4.125%
HK$14,469
baseline
▲ 0.50% · 4.625%
HK$15,350
+HK$881/mo
Deposit HK$2.99M · loan HK$2.99M · min. income ≈ HK$28,938/mo (50% DSR)
Upfront cash ≈ HK$3.12M (deposit + AVD stamp duty HK$134,350 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,147
−HK$819/mo
▼ 0.25% · 3.875%
HK$15,553
−HK$413/mo
Today · 4.125%
HK$15,966
baseline
▲ 0.50% · 4.625%
HK$16,807
+HK$841/mo
Deposit HK$2.99M · loan HK$2.99M · min. income ≈ HK$31,932/mo (50% DSR)
Upfront cash ≈ HK$3.12M (deposit + AVD stamp duty HK$134,350 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,339
−HK$1,024/mo
▼ 0.25% · 3.875%
HK$16,847
−HK$516/mo
Today · 4.125%
HK$17,363
baseline
▲ 0.50% · 4.625%
HK$18,420
+HK$1,057/mo
Deposit HK$2.39M · loan HK$3.58M · min. income ≈ HK$34,726/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$134,350 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,177
−HK$982/mo
▼ 0.25% · 3.875%
HK$18,664
−HK$495/mo
Today · 4.125%
HK$19,159
baseline
▲ 0.50% · 4.625%
HK$20,169
+HK$1,010/mo
Deposit HK$2.39M · loan HK$3.58M · min. income ≈ HK$38,318/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$134,350 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,062
−HK$1,195/mo
▼ 0.25% · 3.875%
HK$19,655
−HK$602/mo
Today · 4.125%
HK$20,257
baseline
▲ 0.50% · 4.625%
HK$21,490
+HK$1,233/mo
Deposit HK$1.79M · loan HK$4.18M · min. income ≈ HK$40,514/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$134,350 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,206
−HK$1,146/mo
▼ 0.25% · 3.875%
HK$21,775
−HK$577/mo
Today · 4.125%
HK$22,352
baseline
▲ 0.50% · 4.625%
HK$23,530
+HK$1,178/mo
Deposit HK$1.79M · loan HK$4.18M · min. income ≈ HK$44,704/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$134,350 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,508
−HK$1,537/mo
▼ 0.25% · 3.875%
HK$25,270
−HK$775/mo
Today · 4.125%
HK$26,045
baseline
▲ 0.50% · 4.625%
HK$27,630
+HK$1,585/mo
Deposit HK$597K · loan HK$5.37M · min. income ≈ HK$52,090/mo (50% DSR)
Upfront cash ≈ HK$731K (deposit + AVD stamp duty HK$134,350 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,265
−HK$1,473/mo
▼ 0.25% · 3.875%
HK$27,996
−HK$742/mo
Today · 4.125%
HK$28,738
baseline
▲ 0.50% · 4.625%
HK$30,253
+HK$1,515/mo
Deposit HK$597K · loan HK$5.37M · min. income ≈ HK$57,476/mo (50% DSR)
Upfront cash ≈ HK$731K (deposit + AVD stamp duty HK$134,350 · 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).