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$13,654
−HK$856/mo
▼ 0.25% · 3.875%
HK$14,079
−HK$431/mo
Today · 4.125%
HK$14,510
baseline
▲ 0.50% · 4.625%
HK$15,393
+HK$883/mo
Deposit HK$2.99M · loan HK$2.99M · min. income ≈ HK$29,020/mo (50% DSR)
Upfront cash ≈ HK$3.13M (deposit + AVD stamp duty HK$134,728 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,190
−HK$821/mo
▼ 0.25% · 3.875%
HK$15,597
−HK$414/mo
Today · 4.125%
HK$16,011
baseline
▲ 0.50% · 4.625%
HK$16,854
+HK$843/mo
Deposit HK$2.99M · loan HK$2.99M · min. income ≈ HK$32,022/mo (50% DSR)
Upfront cash ≈ HK$3.13M (deposit + AVD stamp duty HK$134,728 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,385
−HK$1,027/mo
▼ 0.25% · 3.875%
HK$16,894
−HK$518/mo
Today · 4.125%
HK$17,412
baseline
▲ 0.50% · 4.625%
HK$18,472
+HK$1,060/mo
Deposit HK$2.40M · loan HK$3.59M · min. income ≈ HK$34,824/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$134,728 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,228
−HK$985/mo
▼ 0.25% · 3.875%
HK$18,717
−HK$496/mo
Today · 4.125%
HK$19,213
baseline
▲ 0.50% · 4.625%
HK$20,225
+HK$1,012/mo
Deposit HK$2.40M · loan HK$3.59M · min. income ≈ HK$38,426/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$134,728 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,115
−HK$1,199/mo
▼ 0.25% · 3.875%
HK$19,710
−HK$604/mo
Today · 4.125%
HK$20,314
baseline
▲ 0.50% · 4.625%
HK$21,550
+HK$1,236/mo
Deposit HK$1.80M · loan HK$4.19M · min. income ≈ HK$40,628/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$134,728 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,266
−HK$1,149/mo
▼ 0.25% · 3.875%
HK$21,836
−HK$579/mo
Today · 4.125%
HK$22,415
baseline
▲ 0.50% · 4.625%
HK$23,596
+HK$1,181/mo
Deposit HK$1.80M · loan HK$4.19M · min. income ≈ HK$44,830/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$134,728 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,577
−HK$1,541/mo
▼ 0.25% · 3.875%
HK$25,342
−HK$776/mo
Today · 4.125%
HK$26,118
baseline
▲ 0.50% · 4.625%
HK$27,707
+HK$1,589/mo
Deposit HK$599K · loan HK$5.39M · min. income ≈ HK$52,236/mo (50% DSR)
Upfront cash ≈ HK$734K (deposit + AVD stamp duty HK$134,728 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,342
−HK$1,477/mo
▼ 0.25% · 3.875%
HK$28,075
−HK$744/mo
Today · 4.125%
HK$28,819
baseline
▲ 0.50% · 4.625%
HK$30,338
+HK$1,519/mo
Deposit HK$599K · loan HK$5.39M · min. income ≈ HK$57,638/mo (50% DSR)
Upfront cash ≈ HK$734K (deposit + AVD stamp duty HK$134,728 · 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).