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$13,647
−HK$855/mo
▼ 0.25% · 3.875%
HK$14,071
−HK$431/mo
Today · 4.125%
HK$14,502
baseline
▲ 0.50% · 4.625%
HK$15,385
+HK$883/mo
Deposit HK$2.99M · loan HK$2.99M · min. income ≈ HK$29,004/mo (50% DSR)
Upfront cash ≈ HK$3.13M (deposit + AVD stamp duty HK$134,655 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,182
−HK$820/mo
▼ 0.25% · 3.875%
HK$15,589
−HK$413/mo
Today · 4.125%
HK$16,002
baseline
▲ 0.50% · 4.625%
HK$16,845
+HK$843/mo
Deposit HK$2.99M · loan HK$2.99M · min. income ≈ HK$32,004/mo (50% DSR)
Upfront cash ≈ HK$3.13M (deposit + AVD stamp duty HK$134,655 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,376
−HK$1,027/mo
▼ 0.25% · 3.875%
HK$16,885
−HK$518/mo
Today · 4.125%
HK$17,403
baseline
▲ 0.50% · 4.625%
HK$18,462
+HK$1,059/mo
Deposit HK$2.39M · loan HK$3.59M · min. income ≈ HK$34,806/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$134,655 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,218
−HK$984/mo
▼ 0.25% · 3.875%
HK$18,707
−HK$495/mo
Today · 4.125%
HK$19,202
baseline
▲ 0.50% · 4.625%
HK$20,214
+HK$1,012/mo
Deposit HK$2.39M · loan HK$3.59M · min. income ≈ HK$38,404/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$134,655 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,105
−HK$1,198/mo
▼ 0.25% · 3.875%
HK$19,699
−HK$604/mo
Today · 4.125%
HK$20,303
baseline
▲ 0.50% · 4.625%
HK$21,539
+HK$1,236/mo
Deposit HK$1.80M · loan HK$4.19M · min. income ≈ HK$40,606/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$134,655 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,254
−HK$1,149/mo
▼ 0.25% · 3.875%
HK$21,824
−HK$579/mo
Today · 4.125%
HK$22,403
baseline
▲ 0.50% · 4.625%
HK$23,584
+HK$1,181/mo
Deposit HK$1.80M · loan HK$4.19M · min. income ≈ HK$44,806/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$134,655 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,564
−HK$1,540/mo
▼ 0.25% · 3.875%
HK$25,328
−HK$776/mo
Today · 4.125%
HK$26,104
baseline
▲ 0.50% · 4.625%
HK$27,693
+HK$1,589/mo
Deposit HK$598K · loan HK$5.39M · min. income ≈ HK$52,208/mo (50% DSR)
Upfront cash ≈ HK$733K (deposit + AVD stamp duty HK$134,655 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,327
−HK$1,476/mo
▼ 0.25% · 3.875%
HK$28,060
−HK$743/mo
Today · 4.125%
HK$28,803
baseline
▲ 0.50% · 4.625%
HK$30,322
+HK$1,519/mo
Deposit HK$598K · loan HK$5.39M · min. income ≈ HK$57,606/mo (50% DSR)
Upfront cash ≈ HK$733K (deposit + AVD stamp duty HK$134,655 · 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).