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$13,629
−HK$854/mo
▼ 0.25% · 3.875%
HK$14,053
−HK$430/mo
Today · 4.125%
HK$14,483
baseline
▲ 0.50% · 4.625%
HK$15,364
+HK$881/mo
Deposit HK$2.99M · loan HK$2.99M · min. income ≈ HK$28,966/mo (50% DSR)
Upfront cash ≈ HK$3.12M (deposit + AVD stamp duty HK$134,478 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,162
−HK$819/mo
▼ 0.25% · 3.875%
HK$15,568
−HK$413/mo
Today · 4.125%
HK$15,981
baseline
▲ 0.50% · 4.625%
HK$16,823
+HK$842/mo
Deposit HK$2.99M · loan HK$2.99M · min. income ≈ HK$31,962/mo (50% DSR)
Upfront cash ≈ HK$3.12M (deposit + AVD stamp duty HK$134,478 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,354
−HK$1,026/mo
▼ 0.25% · 3.875%
HK$16,863
−HK$517/mo
Today · 4.125%
HK$17,380
baseline
▲ 0.50% · 4.625%
HK$18,437
+HK$1,057/mo
Deposit HK$2.39M · loan HK$3.59M · min. income ≈ HK$34,760/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$134,478 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,194
−HK$983/mo
▼ 0.25% · 3.875%
HK$18,682
−HK$495/mo
Today · 4.125%
HK$19,177
baseline
▲ 0.50% · 4.625%
HK$20,188
+HK$1,011/mo
Deposit HK$2.39M · loan HK$3.59M · min. income ≈ HK$38,354/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$134,478 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,080
−HK$1,197/mo
▼ 0.25% · 3.875%
HK$19,674
−HK$603/mo
Today · 4.125%
HK$20,277
baseline
▲ 0.50% · 4.625%
HK$21,510
+HK$1,233/mo
Deposit HK$1.79M · loan HK$4.18M · min. income ≈ HK$40,554/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$134,478 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,226
−HK$1,147/mo
▼ 0.25% · 3.875%
HK$21,796
−HK$577/mo
Today · 4.125%
HK$22,373
baseline
▲ 0.50% · 4.625%
HK$23,552
+HK$1,179/mo
Deposit HK$1.79M · loan HK$4.18M · min. income ≈ HK$44,746/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$134,478 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,531
−HK$1,539/mo
▼ 0.25% · 3.875%
HK$25,295
−HK$775/mo
Today · 4.125%
HK$26,070
baseline
▲ 0.50% · 4.625%
HK$27,656
+HK$1,586/mo
Deposit HK$598K · loan HK$5.38M · min. income ≈ HK$52,140/mo (50% DSR)
Upfront cash ≈ HK$732K (deposit + AVD stamp duty HK$134,478 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,291
−HK$1,474/mo
▼ 0.25% · 3.875%
HK$28,023
−HK$742/mo
Today · 4.125%
HK$28,765
baseline
▲ 0.50% · 4.625%
HK$30,282
+HK$1,517/mo
Deposit HK$598K · loan HK$5.38M · min. income ≈ HK$57,530/mo (50% DSR)
Upfront cash ≈ HK$732K (deposit + AVD stamp duty HK$134,478 · 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).