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$13,622
−HK$854/mo
▼ 0.25% · 3.875%
HK$14,045
−HK$431/mo
Today · 4.125%
HK$14,476
baseline
▲ 0.50% · 4.625%
HK$15,357
+HK$881/mo
Deposit HK$2.99M · loan HK$2.99M · min. income ≈ HK$28,952/mo (50% DSR)
Upfront cash ≈ HK$3.12M (deposit + AVD stamp duty HK$134,409 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,154
−HK$819/mo
▼ 0.25% · 3.875%
HK$15,560
−HK$413/mo
Today · 4.125%
HK$15,973
baseline
▲ 0.50% · 4.625%
HK$16,814
+HK$841/mo
Deposit HK$2.99M · loan HK$2.99M · min. income ≈ HK$31,946/mo (50% DSR)
Upfront cash ≈ HK$3.12M (deposit + AVD stamp duty HK$134,409 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,346
−HK$1,025/mo
▼ 0.25% · 3.875%
HK$16,854
−HK$517/mo
Today · 4.125%
HK$17,371
baseline
▲ 0.50% · 4.625%
HK$18,428
+HK$1,057/mo
Deposit HK$2.39M · loan HK$3.58M · min. income ≈ HK$34,742/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$134,409 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,185
−HK$982/mo
▼ 0.25% · 3.875%
HK$18,672
−HK$495/mo
Today · 4.125%
HK$19,167
baseline
▲ 0.50% · 4.625%
HK$20,177
+HK$1,010/mo
Deposit HK$2.39M · loan HK$3.58M · min. income ≈ HK$38,334/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$134,409 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,070
−HK$1,196/mo
▼ 0.25% · 3.875%
HK$19,663
−HK$603/mo
Today · 4.125%
HK$20,266
baseline
▲ 0.50% · 4.625%
HK$21,499
+HK$1,233/mo
Deposit HK$1.79M · loan HK$4.18M · min. income ≈ HK$40,532/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$134,409 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,215
−HK$1,147/mo
▼ 0.25% · 3.875%
HK$21,784
−HK$578/mo
Today · 4.125%
HK$22,362
baseline
▲ 0.50% · 4.625%
HK$23,540
+HK$1,178/mo
Deposit HK$1.79M · loan HK$4.18M · min. income ≈ HK$44,724/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$134,409 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,519
−HK$1,537/mo
▼ 0.25% · 3.875%
HK$25,281
−HK$775/mo
Today · 4.125%
HK$26,056
baseline
▲ 0.50% · 4.625%
HK$27,642
+HK$1,586/mo
Deposit HK$597K · loan HK$5.38M · min. income ≈ HK$52,112/mo (50% DSR)
Upfront cash ≈ HK$732K (deposit + AVD stamp duty HK$134,409 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,277
−HK$1,474/mo
▼ 0.25% · 3.875%
HK$28,008
−HK$743/mo
Today · 4.125%
HK$28,751
baseline
▲ 0.50% · 4.625%
HK$30,266
+HK$1,515/mo
Deposit HK$597K · loan HK$5.38M · min. income ≈ HK$57,502/mo (50% DSR)
Upfront cash ≈ HK$732K (deposit + AVD stamp duty HK$134,409 · 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).