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$13,618
−HK$854/mo
▼ 0.25% · 3.875%
HK$14,042
−HK$430/mo
Today · 4.125%
HK$14,472
baseline
▲ 0.50% · 4.625%
HK$15,353
+HK$881/mo
Deposit HK$2.99M · loan HK$2.99M · min. income ≈ HK$28,944/mo (50% DSR)
Upfront cash ≈ HK$3.12M (deposit + AVD stamp duty HK$134,377 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,150
−HK$819/mo
▼ 0.25% · 3.875%
HK$15,557
−HK$412/mo
Today · 4.125%
HK$15,969
baseline
▲ 0.50% · 4.625%
HK$16,810
+HK$841/mo
Deposit HK$2.99M · loan HK$2.99M · min. income ≈ HK$31,938/mo (50% DSR)
Upfront cash ≈ HK$3.12M (deposit + AVD stamp duty HK$134,377 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,342
−HK$1,025/mo
▼ 0.25% · 3.875%
HK$16,850
−HK$517/mo
Today · 4.125%
HK$17,367
baseline
▲ 0.50% · 4.625%
HK$18,423
+HK$1,056/mo
Deposit HK$2.39M · loan HK$3.58M · min. income ≈ HK$34,734/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$134,377 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,180
−HK$983/mo
▼ 0.25% · 3.875%
HK$18,668
−HK$495/mo
Today · 4.125%
HK$19,163
baseline
▲ 0.50% · 4.625%
HK$20,173
+HK$1,010/mo
Deposit HK$2.39M · loan HK$3.58M · min. income ≈ HK$38,326/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$134,377 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,066
−HK$1,195/mo
▼ 0.25% · 3.875%
HK$19,659
−HK$602/mo
Today · 4.125%
HK$20,261
baseline
▲ 0.50% · 4.625%
HK$21,494
+HK$1,233/mo
Deposit HK$1.79M · loan HK$4.18M · min. income ≈ HK$40,522/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$134,377 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,210
−HK$1,146/mo
▼ 0.25% · 3.875%
HK$21,779
−HK$577/mo
Today · 4.125%
HK$22,356
baseline
▲ 0.50% · 4.625%
HK$23,535
+HK$1,179/mo
Deposit HK$1.79M · loan HK$4.18M · min. income ≈ HK$44,712/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$134,377 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,513
−HK$1,537/mo
▼ 0.25% · 3.875%
HK$25,275
−HK$775/mo
Today · 4.125%
HK$26,050
baseline
▲ 0.50% · 4.625%
HK$27,635
+HK$1,585/mo
Deposit HK$597K · loan HK$5.38M · min. income ≈ HK$52,100/mo (50% DSR)
Upfront cash ≈ HK$732K (deposit + AVD stamp duty HK$134,377 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,270
−HK$1,474/mo
▼ 0.25% · 3.875%
HK$28,002
−HK$742/mo
Today · 4.125%
HK$28,744
baseline
▲ 0.50% · 4.625%
HK$30,259
+HK$1,515/mo
Deposit HK$597K · loan HK$5.38M · min. income ≈ HK$57,488/mo (50% DSR)
Upfront cash ≈ HK$732K (deposit + AVD stamp duty HK$134,377 · 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).