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$13,631
−HK$854/mo
▼ 0.25% · 3.875%
HK$14,055
−HK$430/mo
Today · 4.125%
HK$14,485
baseline
▲ 0.50% · 4.625%
HK$15,367
+HK$882/mo
Deposit HK$2.99M · loan HK$2.99M · min. income ≈ HK$28,970/mo (50% DSR)
Upfront cash ≈ HK$3.12M (deposit + AVD stamp duty HK$134,498 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,164
−HK$819/mo
▼ 0.25% · 3.875%
HK$15,571
−HK$412/mo
Today · 4.125%
HK$15,983
baseline
▲ 0.50% · 4.625%
HK$16,826
+HK$843/mo
Deposit HK$2.99M · loan HK$2.99M · min. income ≈ HK$31,966/mo (50% DSR)
Upfront cash ≈ HK$3.12M (deposit + AVD stamp duty HK$134,498 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,357
−HK$1,025/mo
▼ 0.25% · 3.875%
HK$16,865
−HK$517/mo
Today · 4.125%
HK$17,382
baseline
▲ 0.50% · 4.625%
HK$18,440
+HK$1,058/mo
Deposit HK$2.39M · loan HK$3.59M · min. income ≈ HK$34,764/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$134,498 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,197
−HK$983/mo
▼ 0.25% · 3.875%
HK$18,685
−HK$495/mo
Today · 4.125%
HK$19,180
baseline
▲ 0.50% · 4.625%
HK$20,191
+HK$1,011/mo
Deposit HK$2.39M · loan HK$3.59M · min. income ≈ HK$38,360/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$134,498 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,083
−HK$1,196/mo
▼ 0.25% · 3.875%
HK$19,676
−HK$603/mo
Today · 4.125%
HK$20,279
baseline
▲ 0.50% · 4.625%
HK$21,513
+HK$1,234/mo
Deposit HK$1.79M · loan HK$4.18M · min. income ≈ HK$40,558/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$134,498 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,229
−HK$1,147/mo
▼ 0.25% · 3.875%
HK$21,799
−HK$577/mo
Today · 4.125%
HK$22,376
baseline
▲ 0.50% · 4.625%
HK$23,556
+HK$1,180/mo
Deposit HK$1.79M · loan HK$4.18M · min. income ≈ HK$44,752/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$134,498 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,535
−HK$1,539/mo
▼ 0.25% · 3.875%
HK$25,298
−HK$776/mo
Today · 4.125%
HK$26,074
baseline
▲ 0.50% · 4.625%
HK$27,660
+HK$1,586/mo
Deposit HK$598K · loan HK$5.38M · min. income ≈ HK$52,148/mo (50% DSR)
Upfront cash ≈ HK$732K (deposit + AVD stamp duty HK$134,498 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,295
−HK$1,475/mo
▼ 0.25% · 3.875%
HK$28,027
−HK$743/mo
Today · 4.125%
HK$28,770
baseline
▲ 0.50% · 4.625%
HK$30,286
+HK$1,516/mo
Deposit HK$598K · loan HK$5.38M · min. income ≈ HK$57,540/mo (50% DSR)
Upfront cash ≈ HK$732K (deposit + AVD stamp duty HK$134,498 · 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).