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$13,614
−HK$853/mo
▼ 0.25% · 3.875%
HK$14,037
−HK$430/mo
Today · 4.125%
HK$14,467
baseline
▲ 0.50% · 4.625%
HK$15,348
+HK$881/mo
Deposit HK$2.99M · loan HK$2.99M · min. income ≈ HK$28,934/mo (50% DSR)
Upfront cash ≈ HK$3.12M (deposit + AVD stamp duty HK$134,332 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,145
−HK$818/mo
▼ 0.25% · 3.875%
HK$15,551
−HK$412/mo
Today · 4.125%
HK$15,963
baseline
▲ 0.50% · 4.625%
HK$16,805
+HK$842/mo
Deposit HK$2.99M · loan HK$2.99M · min. income ≈ HK$31,926/mo (50% DSR)
Upfront cash ≈ HK$3.12M (deposit + AVD stamp duty HK$134,332 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,337
−HK$1,024/mo
▼ 0.25% · 3.875%
HK$16,845
−HK$516/mo
Today · 4.125%
HK$17,361
baseline
▲ 0.50% · 4.625%
HK$18,417
+HK$1,056/mo
Deposit HK$2.39M · loan HK$3.58M · min. income ≈ HK$34,722/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$134,332 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,174
−HK$982/mo
▼ 0.25% · 3.875%
HK$18,662
−HK$494/mo
Today · 4.125%
HK$19,156
baseline
▲ 0.50% · 4.625%
HK$20,166
+HK$1,010/mo
Deposit HK$2.39M · loan HK$3.58M · min. income ≈ HK$38,312/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$134,332 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,059
−HK$1,195/mo
▼ 0.25% · 3.875%
HK$19,652
−HK$602/mo
Today · 4.125%
HK$20,254
baseline
▲ 0.50% · 4.625%
HK$21,487
+HK$1,233/mo
Deposit HK$1.79M · loan HK$4.18M · min. income ≈ HK$40,508/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$134,332 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,203
−HK$1,146/mo
▼ 0.25% · 3.875%
HK$21,772
−HK$577/mo
Today · 4.125%
HK$22,349
baseline
▲ 0.50% · 4.625%
HK$23,527
+HK$1,178/mo
Deposit HK$1.79M · loan HK$4.18M · min. income ≈ HK$44,698/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$134,332 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,505
−HK$1,536/mo
▼ 0.25% · 3.875%
HK$25,267
−HK$774/mo
Today · 4.125%
HK$26,041
baseline
▲ 0.50% · 4.625%
HK$27,626
+HK$1,585/mo
Deposit HK$597K · loan HK$5.37M · min. income ≈ HK$52,082/mo (50% DSR)
Upfront cash ≈ HK$731K (deposit + AVD stamp duty HK$134,332 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,261
−HK$1,473/mo
▼ 0.25% · 3.875%
HK$27,992
−HK$742/mo
Today · 4.125%
HK$28,734
baseline
▲ 0.50% · 4.625%
HK$30,249
+HK$1,515/mo
Deposit HK$597K · loan HK$5.37M · min. income ≈ HK$57,468/mo (50% DSR)
Upfront cash ≈ HK$731K (deposit + AVD stamp duty HK$134,332 · 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).