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$13,633
−HK$855/mo
▼ 0.25% · 3.875%
HK$14,057
−HK$431/mo
Today · 4.125%
HK$14,488
baseline
▲ 0.50% · 4.625%
HK$15,369
+HK$881/mo
Deposit HK$2.99M · loan HK$2.99M · min. income ≈ HK$28,976/mo (50% DSR)
Upfront cash ≈ HK$3.12M (deposit + AVD stamp duty HK$134,519 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,166
−HK$820/mo
▼ 0.25% · 3.875%
HK$15,573
−HK$413/mo
Today · 4.125%
HK$15,986
baseline
▲ 0.50% · 4.625%
HK$16,828
+HK$842/mo
Deposit HK$2.99M · loan HK$2.99M · min. income ≈ HK$31,972/mo (50% DSR)
Upfront cash ≈ HK$3.12M (deposit + AVD stamp duty HK$134,519 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,359
−HK$1,026/mo
▼ 0.25% · 3.875%
HK$16,868
−HK$517/mo
Today · 4.125%
HK$17,385
baseline
▲ 0.50% · 4.625%
HK$18,443
+HK$1,058/mo
Deposit HK$2.39M · loan HK$3.59M · min. income ≈ HK$34,770/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$134,519 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,199
−HK$984/mo
▼ 0.25% · 3.875%
HK$18,688
−HK$495/mo
Today · 4.125%
HK$19,183
baseline
▲ 0.50% · 4.625%
HK$20,194
+HK$1,011/mo
Deposit HK$2.39M · loan HK$3.59M · min. income ≈ HK$38,366/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$134,519 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,086
−HK$1,197/mo
▼ 0.25% · 3.875%
HK$19,679
−HK$604/mo
Today · 4.125%
HK$20,283
baseline
▲ 0.50% · 4.625%
HK$21,517
+HK$1,234/mo
Deposit HK$1.79M · loan HK$4.19M · min. income ≈ HK$40,566/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$134,519 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,233
−HK$1,147/mo
▼ 0.25% · 3.875%
HK$21,802
−HK$578/mo
Today · 4.125%
HK$22,380
baseline
▲ 0.50% · 4.625%
HK$23,560
+HK$1,180/mo
Deposit HK$1.79M · loan HK$4.19M · min. income ≈ HK$44,760/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$134,519 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,539
−HK$1,539/mo
▼ 0.25% · 3.875%
HK$25,302
−HK$776/mo
Today · 4.125%
HK$26,078
baseline
▲ 0.50% · 4.625%
HK$27,664
+HK$1,586/mo
Deposit HK$598K · loan HK$5.38M · min. income ≈ HK$52,156/mo (50% DSR)
Upfront cash ≈ HK$732K (deposit + AVD stamp duty HK$134,519 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,299
−HK$1,475/mo
▼ 0.25% · 3.875%
HK$28,031
−HK$743/mo
Today · 4.125%
HK$28,774
baseline
▲ 0.50% · 4.625%
HK$30,291
+HK$1,517/mo
Deposit HK$598K · loan HK$5.38M · min. income ≈ HK$57,548/mo (50% DSR)
Upfront cash ≈ HK$732K (deposit + AVD stamp duty HK$134,519 · 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).