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$13,650
−HK$856/mo
▼ 0.25% · 3.875%
HK$14,075
−HK$431/mo
Today · 4.125%
HK$14,506
baseline
▲ 0.50% · 4.625%
HK$15,389
+HK$883/mo
Deposit HK$2.99M · loan HK$2.99M · min. income ≈ HK$29,012/mo (50% DSR)
Upfront cash ≈ HK$3.13M (deposit + AVD stamp duty HK$134,693 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,186
−HK$820/mo
▼ 0.25% · 3.875%
HK$15,593
−HK$413/mo
Today · 4.125%
HK$16,006
baseline
▲ 0.50% · 4.625%
HK$16,850
+HK$844/mo
Deposit HK$2.99M · loan HK$2.99M · min. income ≈ HK$32,012/mo (50% DSR)
Upfront cash ≈ HK$3.13M (deposit + AVD stamp duty HK$134,693 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,380
−HK$1,028/mo
▼ 0.25% · 3.875%
HK$16,890
−HK$518/mo
Today · 4.125%
HK$17,408
baseline
▲ 0.50% · 4.625%
HK$18,467
+HK$1,059/mo
Deposit HK$2.39M · loan HK$3.59M · min. income ≈ HK$34,816/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$134,693 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,223
−HK$985/mo
▼ 0.25% · 3.875%
HK$18,712
−HK$496/mo
Today · 4.125%
HK$19,208
baseline
▲ 0.50% · 4.625%
HK$20,220
+HK$1,012/mo
Deposit HK$2.39M · loan HK$3.59M · min. income ≈ HK$38,416/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$134,693 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,111
−HK$1,198/mo
▼ 0.25% · 3.875%
HK$19,705
−HK$604/mo
Today · 4.125%
HK$20,309
baseline
▲ 0.50% · 4.625%
HK$21,545
+HK$1,236/mo
Deposit HK$1.80M · loan HK$4.19M · min. income ≈ HK$40,618/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$134,693 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,260
−HK$1,149/mo
▼ 0.25% · 3.875%
HK$21,830
−HK$579/mo
Today · 4.125%
HK$22,409
baseline
▲ 0.50% · 4.625%
HK$23,590
+HK$1,181/mo
Deposit HK$1.80M · loan HK$4.19M · min. income ≈ HK$44,818/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$134,693 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,571
−HK$1,540/mo
▼ 0.25% · 3.875%
HK$25,335
−HK$776/mo
Today · 4.125%
HK$26,111
baseline
▲ 0.50% · 4.625%
HK$27,700
+HK$1,589/mo
Deposit HK$599K · loan HK$5.39M · min. income ≈ HK$52,222/mo (50% DSR)
Upfront cash ≈ HK$733K (deposit + AVD stamp duty HK$134,693 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,335
−HK$1,476/mo
▼ 0.25% · 3.875%
HK$28,068
−HK$743/mo
Today · 4.125%
HK$28,811
baseline
▲ 0.50% · 4.625%
HK$30,330
+HK$1,519/mo
Deposit HK$599K · loan HK$5.39M · min. income ≈ HK$57,622/mo (50% DSR)
Upfront cash ≈ HK$733K (deposit + AVD stamp duty HK$134,693 · 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).