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$13,648
−HK$856/mo
▼ 0.25% · 3.875%
HK$14,072
−HK$432/mo
Today · 4.125%
HK$14,504
baseline
▲ 0.50% · 4.625%
HK$15,386
+HK$882/mo
Deposit HK$2.99M · loan HK$2.99M · min. income ≈ HK$29,008/mo (50% DSR)
Upfront cash ≈ HK$3.13M (deposit + AVD stamp duty HK$134,669 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,183
−HK$820/mo
▼ 0.25% · 3.875%
HK$15,590
−HK$413/mo
Today · 4.125%
HK$16,003
baseline
▲ 0.50% · 4.625%
HK$16,847
+HK$844/mo
Deposit HK$2.99M · loan HK$2.99M · min. income ≈ HK$32,006/mo (50% DSR)
Upfront cash ≈ HK$3.13M (deposit + AVD stamp duty HK$134,669 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,377
−HK$1,027/mo
▼ 0.25% · 3.875%
HK$16,887
−HK$517/mo
Today · 4.125%
HK$17,404
baseline
▲ 0.50% · 4.625%
HK$18,464
+HK$1,060/mo
Deposit HK$2.39M · loan HK$3.59M · min. income ≈ HK$34,808/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$134,669 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,220
−HK$984/mo
▼ 0.25% · 3.875%
HK$18,708
−HK$496/mo
Today · 4.125%
HK$19,204
baseline
▲ 0.50% · 4.625%
HK$20,216
+HK$1,012/mo
Deposit HK$2.39M · loan HK$3.59M · min. income ≈ HK$38,408/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$134,669 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,107
−HK$1,198/mo
▼ 0.25% · 3.875%
HK$19,701
−HK$604/mo
Today · 4.125%
HK$20,305
baseline
▲ 0.50% · 4.625%
HK$21,541
+HK$1,236/mo
Deposit HK$1.80M · loan HK$4.19M · min. income ≈ HK$40,610/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$134,669 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,256
−HK$1,149/mo
▼ 0.25% · 3.875%
HK$21,826
−HK$579/mo
Today · 4.125%
HK$22,405
baseline
▲ 0.50% · 4.625%
HK$23,586
+HK$1,181/mo
Deposit HK$1.80M · loan HK$4.19M · min. income ≈ HK$44,810/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$134,669 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,566
−HK$1,541/mo
▼ 0.25% · 3.875%
HK$25,330
−HK$777/mo
Today · 4.125%
HK$26,107
baseline
▲ 0.50% · 4.625%
HK$27,695
+HK$1,588/mo
Deposit HK$599K · loan HK$5.39M · min. income ≈ HK$52,214/mo (50% DSR)
Upfront cash ≈ HK$733K (deposit + AVD stamp duty HK$134,669 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,330
−HK$1,476/mo
▼ 0.25% · 3.875%
HK$28,063
−HK$743/mo
Today · 4.125%
HK$28,806
baseline
▲ 0.50% · 4.625%
HK$30,325
+HK$1,519/mo
Deposit HK$599K · loan HK$5.39M · min. income ≈ HK$57,612/mo (50% DSR)
Upfront cash ≈ HK$733K (deposit + AVD stamp duty HK$134,669 · 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).