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$13,628
−HK$854/mo
▼ 0.25% · 3.875%
HK$14,051
−HK$431/mo
Today · 4.125%
HK$14,482
baseline
▲ 0.50% · 4.625%
HK$15,363
+HK$881/mo
Deposit HK$2.99M · loan HK$2.99M · min. income ≈ HK$28,964/mo (50% DSR)
Upfront cash ≈ HK$3.12M (deposit + AVD stamp duty HK$134,468 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,161
−HK$819/mo
▼ 0.25% · 3.875%
HK$15,567
−HK$413/mo
Today · 4.125%
HK$15,980
baseline
▲ 0.50% · 4.625%
HK$16,822
+HK$842/mo
Deposit HK$2.99M · loan HK$2.99M · min. income ≈ HK$31,960/mo (50% DSR)
Upfront cash ≈ HK$3.12M (deposit + AVD stamp duty HK$134,468 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,353
−HK$1,026/mo
▼ 0.25% · 3.875%
HK$16,862
−HK$517/mo
Today · 4.125%
HK$17,379
baseline
▲ 0.50% · 4.625%
HK$18,436
+HK$1,057/mo
Deposit HK$2.39M · loan HK$3.59M · min. income ≈ HK$34,758/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$134,468 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,193
−HK$983/mo
▼ 0.25% · 3.875%
HK$18,681
−HK$495/mo
Today · 4.125%
HK$19,176
baseline
▲ 0.50% · 4.625%
HK$20,186
+HK$1,010/mo
Deposit HK$2.39M · loan HK$3.59M · min. income ≈ HK$38,352/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$134,468 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,079
−HK$1,196/mo
▼ 0.25% · 3.875%
HK$19,672
−HK$603/mo
Today · 4.125%
HK$20,275
baseline
▲ 0.50% · 4.625%
HK$21,509
+HK$1,234/mo
Deposit HK$1.79M · loan HK$4.18M · min. income ≈ HK$40,550/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$134,468 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,225
−HK$1,146/mo
▼ 0.25% · 3.875%
HK$21,794
−HK$577/mo
Today · 4.125%
HK$22,371
baseline
▲ 0.50% · 4.625%
HK$23,551
+HK$1,180/mo
Deposit HK$1.79M · loan HK$4.18M · min. income ≈ HK$44,742/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$134,468 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,530
−HK$1,538/mo
▼ 0.25% · 3.875%
HK$25,293
−HK$775/mo
Today · 4.125%
HK$26,068
baseline
▲ 0.50% · 4.625%
HK$27,654
+HK$1,586/mo
Deposit HK$598K · loan HK$5.38M · min. income ≈ HK$52,136/mo (50% DSR)
Upfront cash ≈ HK$732K (deposit + AVD stamp duty HK$134,468 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,289
−HK$1,474/mo
▼ 0.25% · 3.875%
HK$28,021
−HK$742/mo
Today · 4.125%
HK$28,763
baseline
▲ 0.50% · 4.625%
HK$30,279
+HK$1,516/mo
Deposit HK$598K · loan HK$5.38M · min. income ≈ HK$57,526/mo (50% DSR)
Upfront cash ≈ HK$732K (deposit + AVD stamp duty HK$134,468 · 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).