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$13,656
−HK$856/mo
▼ 0.25% · 3.875%
HK$14,081
−HK$431/mo
Today · 4.125%
HK$14,512
baseline
▲ 0.50% · 4.625%
HK$15,395
+HK$883/mo
Deposit HK$2.99M · loan HK$2.99M · min. income ≈ HK$29,024/mo (50% DSR)
Upfront cash ≈ HK$3.13M (deposit + AVD stamp duty HK$134,748 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,192
−HK$821/mo
▼ 0.25% · 3.875%
HK$15,600
−HK$413/mo
Today · 4.125%
HK$16,013
baseline
▲ 0.50% · 4.625%
HK$16,857
+HK$844/mo
Deposit HK$2.99M · loan HK$2.99M · min. income ≈ HK$32,026/mo (50% DSR)
Upfront cash ≈ HK$3.13M (deposit + AVD stamp duty HK$134,748 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,387
−HK$1,028/mo
▼ 0.25% · 3.875%
HK$16,897
−HK$518/mo
Today · 4.125%
HK$17,415
baseline
▲ 0.50% · 4.625%
HK$18,474
+HK$1,059/mo
Deposit HK$2.40M · loan HK$3.59M · min. income ≈ HK$34,830/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$134,748 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,231
−HK$985/mo
▼ 0.25% · 3.875%
HK$18,719
−HK$497/mo
Today · 4.125%
HK$19,216
baseline
▲ 0.50% · 4.625%
HK$20,228
+HK$1,012/mo
Deposit HK$2.40M · loan HK$3.59M · min. income ≈ HK$38,432/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$134,748 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,118
−HK$1,199/mo
▼ 0.25% · 3.875%
HK$19,713
−HK$604/mo
Today · 4.125%
HK$20,317
baseline
▲ 0.50% · 4.625%
HK$21,554
+HK$1,237/mo
Deposit HK$1.80M · loan HK$4.19M · min. income ≈ HK$40,634/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$134,748 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,269
−HK$1,149/mo
▼ 0.25% · 3.875%
HK$21,839
−HK$579/mo
Today · 4.125%
HK$22,418
baseline
▲ 0.50% · 4.625%
HK$23,600
+HK$1,182/mo
Deposit HK$1.80M · loan HK$4.19M · min. income ≈ HK$44,836/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$134,748 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,581
−HK$1,541/mo
▼ 0.25% · 3.875%
HK$25,345
−HK$777/mo
Today · 4.125%
HK$26,122
baseline
▲ 0.50% · 4.625%
HK$27,712
+HK$1,590/mo
Deposit HK$599K · loan HK$5.39M · min. income ≈ HK$52,244/mo (50% DSR)
Upfront cash ≈ HK$734K (deposit + AVD stamp duty HK$134,748 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,346
−HK$1,477/mo
▼ 0.25% · 3.875%
HK$28,079
−HK$744/mo
Today · 4.125%
HK$28,823
baseline
▲ 0.50% · 4.625%
HK$30,343
+HK$1,520/mo
Deposit HK$599K · loan HK$5.39M · min. income ≈ HK$57,646/mo (50% DSR)
Upfront cash ≈ HK$734K (deposit + AVD stamp duty HK$134,748 · 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).