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$13,658
−HK$857/mo
▼ 0.25% · 3.875%
HK$14,083
−HK$432/mo
Today · 4.125%
HK$14,515
baseline
▲ 0.50% · 4.625%
HK$15,398
+HK$883/mo
Deposit HK$2.99M · loan HK$2.99M · min. income ≈ HK$29,030/mo (50% DSR)
Upfront cash ≈ HK$3.13M (deposit + AVD stamp duty HK$134,770 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,195
−HK$821/mo
▼ 0.25% · 3.875%
HK$15,602
−HK$414/mo
Today · 4.125%
HK$16,016
baseline
▲ 0.50% · 4.625%
HK$16,860
+HK$844/mo
Deposit HK$2.99M · loan HK$2.99M · min. income ≈ HK$32,032/mo (50% DSR)
Upfront cash ≈ HK$3.13M (deposit + AVD stamp duty HK$134,770 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,390
−HK$1,028/mo
▼ 0.25% · 3.875%
HK$16,900
−HK$518/mo
Today · 4.125%
HK$17,418
baseline
▲ 0.50% · 4.625%
HK$18,477
+HK$1,059/mo
Deposit HK$2.40M · loan HK$3.59M · min. income ≈ HK$34,836/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$134,770 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,234
−HK$985/mo
▼ 0.25% · 3.875%
HK$18,723
−HK$496/mo
Today · 4.125%
HK$19,219
baseline
▲ 0.50% · 4.625%
HK$20,232
+HK$1,013/mo
Deposit HK$2.40M · loan HK$3.59M · min. income ≈ HK$38,438/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$134,770 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,121
−HK$1,200/mo
▼ 0.25% · 3.875%
HK$19,716
−HK$605/mo
Today · 4.125%
HK$20,321
baseline
▲ 0.50% · 4.625%
HK$21,557
+HK$1,236/mo
Deposit HK$1.80M · loan HK$4.19M · min. income ≈ HK$40,642/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$134,770 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,272
−HK$1,150/mo
▼ 0.25% · 3.875%
HK$21,843
−HK$579/mo
Today · 4.125%
HK$22,422
baseline
▲ 0.50% · 4.625%
HK$23,604
+HK$1,182/mo
Deposit HK$1.80M · loan HK$4.19M · min. income ≈ HK$44,844/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$134,770 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,585
−HK$1,541/mo
▼ 0.25% · 3.875%
HK$25,349
−HK$777/mo
Today · 4.125%
HK$26,126
baseline
▲ 0.50% · 4.625%
HK$27,716
+HK$1,590/mo
Deposit HK$599K · loan HK$5.39M · min. income ≈ HK$52,252/mo (50% DSR)
Upfront cash ≈ HK$734K (deposit + AVD stamp duty HK$134,770 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,350
−HK$1,478/mo
▼ 0.25% · 3.875%
HK$28,084
−HK$744/mo
Today · 4.125%
HK$28,828
baseline
▲ 0.50% · 4.625%
HK$30,347
+HK$1,519/mo
Deposit HK$599K · loan HK$5.39M · min. income ≈ HK$57,656/mo (50% DSR)
Upfront cash ≈ HK$734K (deposit + AVD stamp duty HK$134,770 · 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).