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$13,634
−HK$855/mo
▼ 0.25% · 3.875%
HK$14,058
−HK$431/mo
Today · 4.125%
HK$14,489
baseline
▲ 0.50% · 4.625%
HK$15,371
+HK$882/mo
Deposit HK$2.99M · loan HK$2.99M · min. income ≈ HK$28,978/mo (50% DSR)
Upfront cash ≈ HK$3.12M (deposit + AVD stamp duty HK$134,534 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,168
−HK$819/mo
▼ 0.25% · 3.875%
HK$15,575
−HK$412/mo
Today · 4.125%
HK$15,987
baseline
▲ 0.50% · 4.625%
HK$16,830
+HK$843/mo
Deposit HK$2.99M · loan HK$2.99M · min. income ≈ HK$31,974/mo (50% DSR)
Upfront cash ≈ HK$3.12M (deposit + AVD stamp duty HK$134,534 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,361
−HK$1,026/mo
▼ 0.25% · 3.875%
HK$16,870
−HK$517/mo
Today · 4.125%
HK$17,387
baseline
▲ 0.50% · 4.625%
HK$18,445
+HK$1,058/mo
Deposit HK$2.39M · loan HK$3.59M · min. income ≈ HK$34,774/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$134,534 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,202
−HK$983/mo
▼ 0.25% · 3.875%
HK$18,690
−HK$495/mo
Today · 4.125%
HK$19,185
baseline
▲ 0.50% · 4.625%
HK$20,196
+HK$1,011/mo
Deposit HK$2.39M · loan HK$3.59M · min. income ≈ HK$38,370/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$134,534 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,088
−HK$1,197/mo
▼ 0.25% · 3.875%
HK$19,682
−HK$603/mo
Today · 4.125%
HK$20,285
baseline
▲ 0.50% · 4.625%
HK$21,519
+HK$1,234/mo
Deposit HK$1.79M · loan HK$4.19M · min. income ≈ HK$40,570/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$134,534 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,235
−HK$1,147/mo
▼ 0.25% · 3.875%
HK$21,805
−HK$577/mo
Today · 4.125%
HK$22,382
baseline
▲ 0.50% · 4.625%
HK$23,562
+HK$1,180/mo
Deposit HK$1.79M · loan HK$4.19M · min. income ≈ HK$44,764/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$134,534 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,542
−HK$1,539/mo
▼ 0.25% · 3.875%
HK$25,305
−HK$776/mo
Today · 4.125%
HK$26,081
baseline
▲ 0.50% · 4.625%
HK$27,668
+HK$1,587/mo
Deposit HK$598K · loan HK$5.38M · min. income ≈ HK$52,162/mo (50% DSR)
Upfront cash ≈ HK$732K (deposit + AVD stamp duty HK$134,534 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,302
−HK$1,475/mo
▼ 0.25% · 3.875%
HK$28,035
−HK$742/mo
Today · 4.125%
HK$28,777
baseline
▲ 0.50% · 4.625%
HK$30,294
+HK$1,517/mo
Deposit HK$598K · loan HK$5.38M · min. income ≈ HK$57,554/mo (50% DSR)
Upfront cash ≈ HK$732K (deposit + AVD stamp duty HK$134,534 · 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).