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$13,615
−HK$854/mo
▼ 0.25% · 3.875%
HK$14,039
−HK$430/mo
Today · 4.125%
HK$14,469
baseline
▲ 0.50% · 4.625%
HK$15,350
+HK$881/mo
Deposit HK$2.99M · loan HK$2.99M · min. income ≈ HK$28,938/mo (50% DSR)
Upfront cash ≈ HK$3.12M (deposit + AVD stamp duty HK$134,347 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,147
−HK$818/mo
▼ 0.25% · 3.875%
HK$15,553
−HK$412/mo
Today · 4.125%
HK$15,965
baseline
▲ 0.50% · 4.625%
HK$16,807
+HK$842/mo
Deposit HK$2.99M · loan HK$2.99M · min. income ≈ HK$31,930/mo (50% DSR)
Upfront cash ≈ HK$3.12M (deposit + AVD stamp duty HK$134,347 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,338
−HK$1,025/mo
▼ 0.25% · 3.875%
HK$16,847
−HK$516/mo
Today · 4.125%
HK$17,363
baseline
▲ 0.50% · 4.625%
HK$18,419
+HK$1,056/mo
Deposit HK$2.39M · loan HK$3.58M · min. income ≈ HK$34,726/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$134,347 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,176
−HK$982/mo
▼ 0.25% · 3.875%
HK$18,664
−HK$494/mo
Today · 4.125%
HK$19,158
baseline
▲ 0.50% · 4.625%
HK$20,168
+HK$1,010/mo
Deposit HK$2.39M · loan HK$3.58M · min. income ≈ HK$38,316/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$134,347 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,061
−HK$1,196/mo
▼ 0.25% · 3.875%
HK$19,654
−HK$603/mo
Today · 4.125%
HK$20,257
baseline
▲ 0.50% · 4.625%
HK$21,489
+HK$1,232/mo
Deposit HK$1.79M · loan HK$4.18M · min. income ≈ HK$40,514/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$134,347 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,206
−HK$1,145/mo
▼ 0.25% · 3.875%
HK$21,774
−HK$577/mo
Today · 4.125%
HK$22,351
baseline
▲ 0.50% · 4.625%
HK$23,530
+HK$1,179/mo
Deposit HK$1.79M · loan HK$4.18M · min. income ≈ HK$44,702/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$134,347 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,508
−HK$1,536/mo
▼ 0.25% · 3.875%
HK$25,270
−HK$774/mo
Today · 4.125%
HK$26,044
baseline
▲ 0.50% · 4.625%
HK$27,629
+HK$1,585/mo
Deposit HK$597K · loan HK$5.37M · min. income ≈ HK$52,088/mo (50% DSR)
Upfront cash ≈ HK$731K (deposit + AVD stamp duty HK$134,347 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,264
−HK$1,473/mo
▼ 0.25% · 3.875%
HK$27,996
−HK$741/mo
Today · 4.125%
HK$28,737
baseline
▲ 0.50% · 4.625%
HK$30,252
+HK$1,515/mo
Deposit HK$597K · loan HK$5.37M · min. income ≈ HK$57,474/mo (50% DSR)
Upfront cash ≈ HK$731K (deposit + AVD stamp duty HK$134,347 · 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).