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$13,645
−HK$856/mo
▼ 0.25% · 3.875%
HK$14,070
−HK$431/mo
Today · 4.125%
HK$14,501
baseline
▲ 0.50% · 4.625%
HK$15,383
+HK$882/mo
Deposit HK$2.99M · loan HK$2.99M · min. income ≈ HK$29,002/mo (50% DSR)
Upfront cash ≈ HK$3.13M (deposit + AVD stamp duty HK$134,644 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,180
−HK$821/mo
▼ 0.25% · 3.875%
HK$15,588
−HK$413/mo
Today · 4.125%
HK$16,001
baseline
▲ 0.50% · 4.625%
HK$16,844
+HK$843/mo
Deposit HK$2.99M · loan HK$2.99M · min. income ≈ HK$32,002/mo (50% DSR)
Upfront cash ≈ HK$3.13M (deposit + AVD stamp duty HK$134,644 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,375
−HK$1,026/mo
▼ 0.25% · 3.875%
HK$16,884
−HK$517/mo
Today · 4.125%
HK$17,401
baseline
▲ 0.50% · 4.625%
HK$18,460
+HK$1,059/mo
Deposit HK$2.39M · loan HK$3.59M · min. income ≈ HK$34,802/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$134,644 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,216
−HK$985/mo
▼ 0.25% · 3.875%
HK$18,705
−HK$496/mo
Today · 4.125%
HK$19,201
baseline
▲ 0.50% · 4.625%
HK$20,213
+HK$1,012/mo
Deposit HK$2.39M · loan HK$3.59M · min. income ≈ HK$38,402/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$134,644 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,104
−HK$1,198/mo
▼ 0.25% · 3.875%
HK$19,698
−HK$604/mo
Today · 4.125%
HK$20,302
baseline
▲ 0.50% · 4.625%
HK$21,537
+HK$1,235/mo
Deposit HK$1.80M · loan HK$4.19M · min. income ≈ HK$40,604/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$134,644 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,253
−HK$1,148/mo
▼ 0.25% · 3.875%
HK$21,823
−HK$578/mo
Today · 4.125%
HK$22,401
baseline
▲ 0.50% · 4.625%
HK$23,582
+HK$1,181/mo
Deposit HK$1.80M · loan HK$4.19M · min. income ≈ HK$44,802/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$134,644 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,562
−HK$1,540/mo
▼ 0.25% · 3.875%
HK$25,326
−HK$776/mo
Today · 4.125%
HK$26,102
baseline
▲ 0.50% · 4.625%
HK$27,690
+HK$1,588/mo
Deposit HK$598K · loan HK$5.39M · min. income ≈ HK$52,204/mo (50% DSR)
Upfront cash ≈ HK$733K (deposit + AVD stamp duty HK$134,644 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,325
−HK$1,476/mo
▼ 0.25% · 3.875%
HK$28,058
−HK$743/mo
Today · 4.125%
HK$28,801
baseline
▲ 0.50% · 4.625%
HK$30,319
+HK$1,518/mo
Deposit HK$598K · loan HK$5.39M · min. income ≈ HK$57,602/mo (50% DSR)
Upfront cash ≈ HK$733K (deposit + AVD stamp duty HK$134,644 · 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).