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$13,642
−HK$855/mo
▼ 0.25% · 3.875%
HK$14,066
−HK$431/mo
Today · 4.125%
HK$14,497
baseline
▲ 0.50% · 4.625%
HK$15,380
+HK$883/mo
Deposit HK$2.99M · loan HK$2.99M · min. income ≈ HK$28,994/mo (50% DSR)
Upfront cash ≈ HK$3.13M (deposit + AVD stamp duty HK$134,610 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,177
−HK$819/mo
▼ 0.25% · 3.875%
HK$15,584
−HK$412/mo
Today · 4.125%
HK$15,996
baseline
▲ 0.50% · 4.625%
HK$16,840
+HK$844/mo
Deposit HK$2.99M · loan HK$2.99M · min. income ≈ HK$31,992/mo (50% DSR)
Upfront cash ≈ HK$3.13M (deposit + AVD stamp duty HK$134,610 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,370
−HK$1,027/mo
▼ 0.25% · 3.875%
HK$16,880
−HK$517/mo
Today · 4.125%
HK$17,397
baseline
▲ 0.50% · 4.625%
HK$18,455
+HK$1,058/mo
Deposit HK$2.39M · loan HK$3.59M · min. income ≈ HK$34,794/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$134,610 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,212
−HK$984/mo
▼ 0.25% · 3.875%
HK$18,700
−HK$496/mo
Today · 4.125%
HK$19,196
baseline
▲ 0.50% · 4.625%
HK$20,208
+HK$1,012/mo
Deposit HK$2.39M · loan HK$3.59M · min. income ≈ HK$38,392/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$134,610 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,099
−HK$1,197/mo
▼ 0.25% · 3.875%
HK$19,693
−HK$603/mo
Today · 4.125%
HK$20,296
baseline
▲ 0.50% · 4.625%
HK$21,531
+HK$1,235/mo
Deposit HK$1.79M · loan HK$4.19M · min. income ≈ HK$40,592/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$134,610 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,247
−HK$1,148/mo
▼ 0.25% · 3.875%
HK$21,817
−HK$578/mo
Today · 4.125%
HK$22,395
baseline
▲ 0.50% · 4.625%
HK$23,575
+HK$1,180/mo
Deposit HK$1.79M · loan HK$4.19M · min. income ≈ HK$44,790/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$134,610 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,555
−HK$1,540/mo
▼ 0.25% · 3.875%
HK$25,319
−HK$776/mo
Today · 4.125%
HK$26,095
baseline
▲ 0.50% · 4.625%
HK$27,683
+HK$1,588/mo
Deposit HK$598K · loan HK$5.38M · min. income ≈ HK$52,190/mo (50% DSR)
Upfront cash ≈ HK$733K (deposit + AVD stamp duty HK$134,610 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,318
−HK$1,476/mo
▼ 0.25% · 3.875%
HK$28,050
−HK$744/mo
Today · 4.125%
HK$28,794
baseline
▲ 0.50% · 4.625%
HK$30,311
+HK$1,517/mo
Deposit HK$598K · loan HK$5.38M · min. income ≈ HK$57,588/mo (50% DSR)
Upfront cash ≈ HK$733K (deposit + AVD stamp duty HK$134,610 · 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).