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$13,653
−HK$857/mo
▼ 0.25% · 3.875%
HK$14,078
−HK$432/mo
Today · 4.125%
HK$14,510
baseline
▲ 0.50% · 4.625%
HK$15,392
+HK$882/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$134,723 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,189
−HK$821/mo
▼ 0.25% · 3.875%
HK$15,597
−HK$413/mo
Today · 4.125%
HK$16,010
baseline
▲ 0.50% · 4.625%
HK$16,854
+HK$844/mo
Deposit HK$2.99M · loan HK$2.99M · min. income ≈ HK$32,020/mo (50% DSR)
Upfront cash ≈ HK$3.13M (deposit + AVD stamp duty HK$134,723 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,384
−HK$1,028/mo
▼ 0.25% · 3.875%
HK$16,894
−HK$518/mo
Today · 4.125%
HK$17,412
baseline
▲ 0.50% · 4.625%
HK$18,471
+HK$1,059/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$134,723 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,227
−HK$985/mo
▼ 0.25% · 3.875%
HK$18,716
−HK$496/mo
Today · 4.125%
HK$19,212
baseline
▲ 0.50% · 4.625%
HK$20,225
+HK$1,013/mo
Deposit HK$2.40M · loan HK$3.59M · min. income ≈ HK$38,424/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$134,723 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,115
−HK$1,198/mo
▼ 0.25% · 3.875%
HK$19,709
−HK$604/mo
Today · 4.125%
HK$20,313
baseline
▲ 0.50% · 4.625%
HK$21,549
+HK$1,236/mo
Deposit HK$1.80M · loan HK$4.19M · min. income ≈ HK$40,626/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$134,723 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,265
−HK$1,149/mo
▼ 0.25% · 3.875%
HK$21,835
−HK$579/mo
Today · 4.125%
HK$22,414
baseline
▲ 0.50% · 4.625%
HK$23,595
+HK$1,181/mo
Deposit HK$1.80M · loan HK$4.19M · min. income ≈ HK$44,828/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$134,723 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,576
−HK$1,541/mo
▼ 0.25% · 3.875%
HK$25,341
−HK$776/mo
Today · 4.125%
HK$26,117
baseline
▲ 0.50% · 4.625%
HK$27,706
+HK$1,589/mo
Deposit HK$599K · loan HK$5.39M · min. income ≈ HK$52,234/mo (50% DSR)
Upfront cash ≈ HK$733K (deposit + AVD stamp duty HK$134,723 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,341
−HK$1,477/mo
▼ 0.25% · 3.875%
HK$28,074
−HK$744/mo
Today · 4.125%
HK$28,818
baseline
▲ 0.50% · 4.625%
HK$30,337
+HK$1,519/mo
Deposit HK$599K · loan HK$5.39M · min. income ≈ HK$57,636/mo (50% DSR)
Upfront cash ≈ HK$733K (deposit + AVD stamp duty HK$134,723 · 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).