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$13,639
−HK$855/mo
▼ 0.25% · 3.875%
HK$14,063
−HK$431/mo
Today · 4.125%
HK$14,494
baseline
▲ 0.50% · 4.625%
HK$15,376
+HK$882/mo
Deposit HK$2.99M · loan HK$2.99M · min. income ≈ HK$28,988/mo (50% DSR)
Upfront cash ≈ HK$3.13M (deposit + AVD stamp duty HK$134,577 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,173
−HK$820/mo
▼ 0.25% · 3.875%
HK$15,580
−HK$413/mo
Today · 4.125%
HK$15,993
baseline
▲ 0.50% · 4.625%
HK$16,836
+HK$843/mo
Deposit HK$2.99M · loan HK$2.99M · min. income ≈ HK$31,986/mo (50% DSR)
Upfront cash ≈ HK$3.13M (deposit + AVD stamp duty HK$134,577 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,366
−HK$1,027/mo
▼ 0.25% · 3.875%
HK$16,875
−HK$518/mo
Today · 4.125%
HK$17,393
baseline
▲ 0.50% · 4.625%
HK$18,451
+HK$1,058/mo
Deposit HK$2.39M · loan HK$3.59M · min. income ≈ HK$34,786/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$134,577 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,207
−HK$984/mo
▼ 0.25% · 3.875%
HK$18,696
−HK$495/mo
Today · 4.125%
HK$19,191
baseline
▲ 0.50% · 4.625%
HK$20,203
+HK$1,012/mo
Deposit HK$2.39M · loan HK$3.59M · min. income ≈ HK$38,382/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$134,577 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,094
−HK$1,197/mo
▼ 0.25% · 3.875%
HK$19,688
−HK$603/mo
Today · 4.125%
HK$20,291
baseline
▲ 0.50% · 4.625%
HK$21,526
+HK$1,235/mo
Deposit HK$1.79M · loan HK$4.19M · min. income ≈ HK$40,582/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$134,577 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,242
−HK$1,148/mo
▼ 0.25% · 3.875%
HK$21,812
−HK$578/mo
Today · 4.125%
HK$22,390
baseline
▲ 0.50% · 4.625%
HK$23,570
+HK$1,180/mo
Deposit HK$1.79M · loan HK$4.19M · min. income ≈ HK$44,780/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$134,577 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,550
−HK$1,539/mo
▼ 0.25% · 3.875%
HK$25,313
−HK$776/mo
Today · 4.125%
HK$26,089
baseline
▲ 0.50% · 4.625%
HK$27,676
+HK$1,587/mo
Deposit HK$598K · loan HK$5.38M · min. income ≈ HK$52,178/mo (50% DSR)
Upfront cash ≈ HK$733K (deposit + AVD stamp duty HK$134,577 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,311
−HK$1,476/mo
▼ 0.25% · 3.875%
HK$28,044
−HK$743/mo
Today · 4.125%
HK$28,787
baseline
▲ 0.50% · 4.625%
HK$30,304
+HK$1,517/mo
Deposit HK$598K · loan HK$5.38M · min. income ≈ HK$57,574/mo (50% DSR)
Upfront cash ≈ HK$733K (deposit + AVD stamp duty HK$134,577 · 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).