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$13,620
−HK$854/mo
▼ 0.25% · 3.875%
HK$14,044
−HK$430/mo
Today · 4.125%
HK$14,474
baseline
▲ 0.50% · 4.625%
HK$15,355
+HK$881/mo
Deposit HK$2.99M · loan HK$2.99M · min. income ≈ HK$28,948/mo (50% DSR)
Upfront cash ≈ HK$3.12M (deposit + AVD stamp duty HK$134,392 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,152
−HK$819/mo
▼ 0.25% · 3.875%
HK$15,558
−HK$413/mo
Today · 4.125%
HK$15,971
baseline
▲ 0.50% · 4.625%
HK$16,812
+HK$841/mo
Deposit HK$2.99M · loan HK$2.99M · min. income ≈ HK$31,942/mo (50% DSR)
Upfront cash ≈ HK$3.12M (deposit + AVD stamp duty HK$134,392 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,344
−HK$1,025/mo
▼ 0.25% · 3.875%
HK$16,852
−HK$517/mo
Today · 4.125%
HK$17,369
baseline
▲ 0.50% · 4.625%
HK$18,426
+HK$1,057/mo
Deposit HK$2.39M · loan HK$3.58M · min. income ≈ HK$34,738/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$134,392 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,182
−HK$983/mo
▼ 0.25% · 3.875%
HK$18,670
−HK$495/mo
Today · 4.125%
HK$19,165
baseline
▲ 0.50% · 4.625%
HK$20,175
+HK$1,010/mo
Deposit HK$2.39M · loan HK$3.58M · min. income ≈ HK$38,330/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$134,392 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,068
−HK$1,196/mo
▼ 0.25% · 3.875%
HK$19,661
−HK$603/mo
Today · 4.125%
HK$20,264
baseline
▲ 0.50% · 4.625%
HK$21,497
+HK$1,233/mo
Deposit HK$1.79M · loan HK$4.18M · min. income ≈ HK$40,528/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$134,392 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,213
−HK$1,146/mo
▼ 0.25% · 3.875%
HK$21,782
−HK$577/mo
Today · 4.125%
HK$22,359
baseline
▲ 0.50% · 4.625%
HK$23,537
+HK$1,178/mo
Deposit HK$1.79M · loan HK$4.18M · min. income ≈ HK$44,718/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$134,392 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,516
−HK$1,537/mo
▼ 0.25% · 3.875%
HK$25,278
−HK$775/mo
Today · 4.125%
HK$26,053
baseline
▲ 0.50% · 4.625%
HK$27,638
+HK$1,585/mo
Deposit HK$597K · loan HK$5.38M · min. income ≈ HK$52,106/mo (50% DSR)
Upfront cash ≈ HK$732K (deposit + AVD stamp duty HK$134,392 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,274
−HK$1,473/mo
▼ 0.25% · 3.875%
HK$28,005
−HK$742/mo
Today · 4.125%
HK$28,747
baseline
▲ 0.50% · 4.625%
HK$30,262
+HK$1,515/mo
Deposit HK$597K · loan HK$5.38M · min. income ≈ HK$57,494/mo (50% DSR)
Upfront cash ≈ HK$732K (deposit + AVD stamp duty HK$134,392 · 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).