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$13,651
−HK$856/mo
▼ 0.25% · 3.875%
HK$14,076
−HK$431/mo
Today · 4.125%
HK$14,507
baseline
▲ 0.50% · 4.625%
HK$15,390
+HK$883/mo
Deposit HK$2.99M · loan HK$2.99M · min. income ≈ HK$29,014/mo (50% DSR)
Upfront cash ≈ HK$3.13M (deposit + AVD stamp duty HK$134,701 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,187
−HK$820/mo
▼ 0.25% · 3.875%
HK$15,594
−HK$413/mo
Today · 4.125%
HK$16,007
baseline
▲ 0.50% · 4.625%
HK$16,851
+HK$844/mo
Deposit HK$2.99M · loan HK$2.99M · min. income ≈ HK$32,014/mo (50% DSR)
Upfront cash ≈ HK$3.13M (deposit + AVD stamp duty HK$134,701 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,381
−HK$1,028/mo
▼ 0.25% · 3.875%
HK$16,891
−HK$518/mo
Today · 4.125%
HK$17,409
baseline
▲ 0.50% · 4.625%
HK$18,468
+HK$1,059/mo
Deposit HK$2.39M · loan HK$3.59M · min. income ≈ HK$34,818/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$134,701 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,224
−HK$985/mo
▼ 0.25% · 3.875%
HK$18,713
−HK$496/mo
Today · 4.125%
HK$19,209
baseline
▲ 0.50% · 4.625%
HK$20,221
+HK$1,012/mo
Deposit HK$2.39M · loan HK$3.59M · min. income ≈ HK$38,418/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$134,701 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,112
−HK$1,198/mo
▼ 0.25% · 3.875%
HK$19,706
−HK$604/mo
Today · 4.125%
HK$20,310
baseline
▲ 0.50% · 4.625%
HK$21,546
+HK$1,236/mo
Deposit HK$1.80M · loan HK$4.19M · min. income ≈ HK$40,620/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$134,701 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,262
−HK$1,148/mo
▼ 0.25% · 3.875%
HK$21,832
−HK$578/mo
Today · 4.125%
HK$22,410
baseline
▲ 0.50% · 4.625%
HK$23,592
+HK$1,182/mo
Deposit HK$1.80M · loan HK$4.19M · min. income ≈ HK$44,820/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$134,701 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,572
−HK$1,541/mo
▼ 0.25% · 3.875%
HK$25,337
−HK$776/mo
Today · 4.125%
HK$26,113
baseline
▲ 0.50% · 4.625%
HK$27,702
+HK$1,589/mo
Deposit HK$599K · loan HK$5.39M · min. income ≈ HK$52,226/mo (50% DSR)
Upfront cash ≈ HK$733K (deposit + AVD stamp duty HK$134,701 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,336
−HK$1,477/mo
▼ 0.25% · 3.875%
HK$28,069
−HK$744/mo
Today · 4.125%
HK$28,813
baseline
▲ 0.50% · 4.625%
HK$30,332
+HK$1,519/mo
Deposit HK$599K · loan HK$5.39M · min. income ≈ HK$57,626/mo (50% DSR)
Upfront cash ≈ HK$733K (deposit + AVD stamp duty HK$134,701 · 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).