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$13,624
−HK$854/mo
▼ 0.25% · 3.875%
HK$14,047
−HK$431/mo
Today · 4.125%
HK$14,478
baseline
▲ 0.50% · 4.625%
HK$15,359
+HK$881/mo
Deposit HK$2.99M · loan HK$2.99M · min. income ≈ HK$28,956/mo (50% DSR)
Upfront cash ≈ HK$3.12M (deposit + AVD stamp duty HK$134,428 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,156
−HK$819/mo
▼ 0.25% · 3.875%
HK$15,563
−HK$412/mo
Today · 4.125%
HK$15,975
baseline
▲ 0.50% · 4.625%
HK$16,817
+HK$842/mo
Deposit HK$2.99M · loan HK$2.99M · min. income ≈ HK$31,950/mo (50% DSR)
Upfront cash ≈ HK$3.12M (deposit + AVD stamp duty HK$134,428 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,348
−HK$1,025/mo
▼ 0.25% · 3.875%
HK$16,857
−HK$516/mo
Today · 4.125%
HK$17,373
baseline
▲ 0.50% · 4.625%
HK$18,431
+HK$1,058/mo
Deposit HK$2.39M · loan HK$3.58M · min. income ≈ HK$34,746/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$134,428 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,187
−HK$983/mo
▼ 0.25% · 3.875%
HK$18,675
−HK$495/mo
Today · 4.125%
HK$19,170
baseline
▲ 0.50% · 4.625%
HK$20,180
+HK$1,010/mo
Deposit HK$2.39M · loan HK$3.58M · min. income ≈ HK$38,340/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$134,428 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,073
−HK$1,196/mo
▼ 0.25% · 3.875%
HK$19,666
−HK$603/mo
Today · 4.125%
HK$20,269
baseline
▲ 0.50% · 4.625%
HK$21,502
+HK$1,233/mo
Deposit HK$1.79M · loan HK$4.18M · min. income ≈ HK$40,538/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$134,428 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,218
−HK$1,147/mo
▼ 0.25% · 3.875%
HK$21,788
−HK$577/mo
Today · 4.125%
HK$22,365
baseline
▲ 0.50% · 4.625%
HK$23,544
+HK$1,179/mo
Deposit HK$1.79M · loan HK$4.18M · min. income ≈ HK$44,730/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$134,428 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,522
−HK$1,538/mo
▼ 0.25% · 3.875%
HK$25,285
−HK$775/mo
Today · 4.125%
HK$26,060
baseline
▲ 0.50% · 4.625%
HK$27,646
+HK$1,586/mo
Deposit HK$597K · loan HK$5.38M · min. income ≈ HK$52,120/mo (50% DSR)
Upfront cash ≈ HK$732K (deposit + AVD stamp duty HK$134,428 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,281
−HK$1,474/mo
▼ 0.25% · 3.875%
HK$28,013
−HK$742/mo
Today · 4.125%
HK$28,755
baseline
▲ 0.50% · 4.625%
HK$30,271
+HK$1,516/mo
Deposit HK$597K · loan HK$5.38M · min. income ≈ HK$57,510/mo (50% DSR)
Upfront cash ≈ HK$732K (deposit + AVD stamp duty HK$134,428 · 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).