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$13,623
−HK$854/mo
▼ 0.25% · 3.875%
HK$14,046
−HK$431/mo
Today · 4.125%
HK$14,477
baseline
▲ 0.50% · 4.625%
HK$15,358
+HK$881/mo
Deposit HK$2.99M · loan HK$2.99M · min. income ≈ HK$28,954/mo (50% DSR)
Upfront cash ≈ HK$3.12M (deposit + AVD stamp duty HK$134,420 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,155
−HK$819/mo
▼ 0.25% · 3.875%
HK$15,562
−HK$412/mo
Today · 4.125%
HK$15,974
baseline
▲ 0.50% · 4.625%
HK$16,816
+HK$842/mo
Deposit HK$2.99M · loan HK$2.99M · min. income ≈ HK$31,948/mo (50% DSR)
Upfront cash ≈ HK$3.12M (deposit + AVD stamp duty HK$134,420 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,347
−HK$1,025/mo
▼ 0.25% · 3.875%
HK$16,856
−HK$516/mo
Today · 4.125%
HK$17,372
baseline
▲ 0.50% · 4.625%
HK$18,429
+HK$1,057/mo
Deposit HK$2.39M · loan HK$3.58M · min. income ≈ HK$34,744/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$134,420 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,186
−HK$983/mo
▼ 0.25% · 3.875%
HK$18,674
−HK$495/mo
Today · 4.125%
HK$19,169
baseline
▲ 0.50% · 4.625%
HK$20,179
+HK$1,010/mo
Deposit HK$2.39M · loan HK$3.58M · min. income ≈ HK$38,338/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$134,420 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,072
−HK$1,196/mo
▼ 0.25% · 3.875%
HK$19,665
−HK$603/mo
Today · 4.125%
HK$20,268
baseline
▲ 0.50% · 4.625%
HK$21,501
+HK$1,233/mo
Deposit HK$1.79M · loan HK$4.18M · min. income ≈ HK$40,536/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$134,420 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,217
−HK$1,146/mo
▼ 0.25% · 3.875%
HK$21,786
−HK$577/mo
Today · 4.125%
HK$22,363
baseline
▲ 0.50% · 4.625%
HK$23,542
+HK$1,179/mo
Deposit HK$1.79M · loan HK$4.18M · min. income ≈ HK$44,726/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$134,420 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,521
−HK$1,538/mo
▼ 0.25% · 3.875%
HK$25,284
−HK$775/mo
Today · 4.125%
HK$26,059
baseline
▲ 0.50% · 4.625%
HK$27,644
+HK$1,585/mo
Deposit HK$597K · loan HK$5.38M · min. income ≈ HK$52,118/mo (50% DSR)
Upfront cash ≈ HK$732K (deposit + AVD stamp duty HK$134,420 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,279
−HK$1,474/mo
▼ 0.25% · 3.875%
HK$28,011
−HK$742/mo
Today · 4.125%
HK$28,753
baseline
▲ 0.50% · 4.625%
HK$30,269
+HK$1,516/mo
Deposit HK$597K · loan HK$5.38M · min. income ≈ HK$57,506/mo (50% DSR)
Upfront cash ≈ HK$732K (deposit + AVD stamp duty HK$134,420 · 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).