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$13,618
−HK$854/mo
▼ 0.25% · 3.875%
HK$14,041
−HK$431/mo
Today · 4.125%
HK$14,472
baseline
▲ 0.50% · 4.625%
HK$15,352
+HK$880/mo
Deposit HK$2.99M · loan HK$2.99M · min. income ≈ HK$28,944/mo (50% DSR)
Upfront cash ≈ HK$3.12M (deposit + AVD stamp duty HK$134,371 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,150
−HK$818/mo
▼ 0.25% · 3.875%
HK$15,556
−HK$412/mo
Today · 4.125%
HK$15,968
baseline
▲ 0.50% · 4.625%
HK$16,810
+HK$842/mo
Deposit HK$2.99M · loan HK$2.99M · min. income ≈ HK$31,936/mo (50% DSR)
Upfront cash ≈ HK$3.12M (deposit + AVD stamp duty HK$134,371 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,341
−HK$1,025/mo
▼ 0.25% · 3.875%
HK$16,850
−HK$516/mo
Today · 4.125%
HK$17,366
baseline
▲ 0.50% · 4.625%
HK$18,423
+HK$1,057/mo
Deposit HK$2.39M · loan HK$3.58M · min. income ≈ HK$34,732/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$134,371 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,180
−HK$982/mo
▼ 0.25% · 3.875%
HK$18,667
−HK$495/mo
Today · 4.125%
HK$19,162
baseline
▲ 0.50% · 4.625%
HK$20,172
+HK$1,010/mo
Deposit HK$2.39M · loan HK$3.58M · min. income ≈ HK$38,324/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$134,371 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,065
−HK$1,195/mo
▼ 0.25% · 3.875%
HK$19,658
−HK$602/mo
Today · 4.125%
HK$20,260
baseline
▲ 0.50% · 4.625%
HK$21,493
+HK$1,233/mo
Deposit HK$1.79M · loan HK$4.18M · min. income ≈ HK$40,520/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$134,371 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,210
−HK$1,145/mo
▼ 0.25% · 3.875%
HK$21,778
−HK$577/mo
Today · 4.125%
HK$22,355
baseline
▲ 0.50% · 4.625%
HK$23,534
+HK$1,179/mo
Deposit HK$1.79M · loan HK$4.18M · min. income ≈ HK$44,710/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$134,371 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,512
−HK$1,537/mo
▼ 0.25% · 3.875%
HK$25,274
−HK$775/mo
Today · 4.125%
HK$26,049
baseline
▲ 0.50% · 4.625%
HK$27,634
+HK$1,585/mo
Deposit HK$597K · loan HK$5.37M · min. income ≈ HK$52,098/mo (50% DSR)
Upfront cash ≈ HK$732K (deposit + AVD stamp duty HK$134,371 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,269
−HK$1,474/mo
▼ 0.25% · 3.875%
HK$28,001
−HK$742/mo
Today · 4.125%
HK$28,743
baseline
▲ 0.50% · 4.625%
HK$30,258
+HK$1,515/mo
Deposit HK$597K · loan HK$5.37M · min. income ≈ HK$57,486/mo (50% DSR)
Upfront cash ≈ HK$732K (deposit + AVD stamp duty HK$134,371 · 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).