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$13,653
−HK$856/mo
▼ 0.25% · 3.875%
HK$14,077
−HK$432/mo
Today · 4.125%
HK$14,509
baseline
▲ 0.50% · 4.625%
HK$15,392
+HK$883/mo
Deposit HK$2.99M · loan HK$2.99M · min. income ≈ HK$29,018/mo (50% DSR)
Upfront cash ≈ HK$3.13M (deposit + AVD stamp duty HK$134,715 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,188
−HK$821/mo
▼ 0.25% · 3.875%
HK$15,596
−HK$413/mo
Today · 4.125%
HK$16,009
baseline
▲ 0.50% · 4.625%
HK$16,853
+HK$844/mo
Deposit HK$2.99M · loan HK$2.99M · min. income ≈ HK$32,018/mo (50% DSR)
Upfront cash ≈ HK$3.13M (deposit + AVD stamp duty HK$134,715 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,383
−HK$1,027/mo
▼ 0.25% · 3.875%
HK$16,893
−HK$517/mo
Today · 4.125%
HK$17,410
baseline
▲ 0.50% · 4.625%
HK$18,470
+HK$1,060/mo
Deposit HK$2.39M · loan HK$3.59M · min. income ≈ HK$34,820/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$134,715 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,226
−HK$985/mo
▼ 0.25% · 3.875%
HK$18,715
−HK$496/mo
Today · 4.125%
HK$19,211
baseline
▲ 0.50% · 4.625%
HK$20,223
+HK$1,012/mo
Deposit HK$2.39M · loan HK$3.59M · min. income ≈ HK$38,422/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$134,715 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,114
−HK$1,198/mo
▼ 0.25% · 3.875%
HK$19,708
−HK$604/mo
Today · 4.125%
HK$20,312
baseline
▲ 0.50% · 4.625%
HK$21,548
+HK$1,236/mo
Deposit HK$1.80M · loan HK$4.19M · min. income ≈ HK$40,624/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$134,715 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,264
−HK$1,149/mo
▼ 0.25% · 3.875%
HK$21,834
−HK$579/mo
Today · 4.125%
HK$22,413
baseline
▲ 0.50% · 4.625%
HK$23,594
+HK$1,181/mo
Deposit HK$1.80M · loan HK$4.19M · min. income ≈ HK$44,826/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$134,715 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,575
−HK$1,541/mo
▼ 0.25% · 3.875%
HK$25,339
−HK$777/mo
Today · 4.125%
HK$26,116
baseline
▲ 0.50% · 4.625%
HK$27,705
+HK$1,589/mo
Deposit HK$599K · loan HK$5.39M · min. income ≈ HK$52,232/mo (50% DSR)
Upfront cash ≈ HK$733K (deposit + AVD stamp duty HK$134,715 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,339
−HK$1,477/mo
▼ 0.25% · 3.875%
HK$28,072
−HK$744/mo
Today · 4.125%
HK$28,816
baseline
▲ 0.50% · 4.625%
HK$30,335
+HK$1,519/mo
Deposit HK$599K · loan HK$5.39M · min. income ≈ HK$57,632/mo (50% DSR)
Upfront cash ≈ HK$733K (deposit + AVD stamp duty HK$134,715 · 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).