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$13,644
−HK$855/mo
▼ 0.25% · 3.875%
HK$14,068
−HK$431/mo
Today · 4.125%
HK$14,499
baseline
▲ 0.50% · 4.625%
HK$15,382
+HK$883/mo
Deposit HK$2.99M · loan HK$2.99M · min. income ≈ HK$28,998/mo (50% DSR)
Upfront cash ≈ HK$3.13M (deposit + AVD stamp duty HK$134,628 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,179
−HK$820/mo
▼ 0.25% · 3.875%
HK$15,586
−HK$413/mo
Today · 4.125%
HK$15,999
baseline
▲ 0.50% · 4.625%
HK$16,842
+HK$843/mo
Deposit HK$2.99M · loan HK$2.99M · min. income ≈ HK$31,998/mo (50% DSR)
Upfront cash ≈ HK$3.13M (deposit + AVD stamp duty HK$134,628 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,373
−HK$1,026/mo
▼ 0.25% · 3.875%
HK$16,882
−HK$517/mo
Today · 4.125%
HK$17,399
baseline
▲ 0.50% · 4.625%
HK$18,458
+HK$1,059/mo
Deposit HK$2.39M · loan HK$3.59M · min. income ≈ HK$34,798/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$134,628 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,214
−HK$984/mo
▼ 0.25% · 3.875%
HK$18,703
−HK$495/mo
Today · 4.125%
HK$19,198
baseline
▲ 0.50% · 4.625%
HK$20,210
+HK$1,012/mo
Deposit HK$2.39M · loan HK$3.59M · min. income ≈ HK$38,396/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$134,628 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,101
−HK$1,198/mo
▼ 0.25% · 3.875%
HK$19,695
−HK$604/mo
Today · 4.125%
HK$20,299
baseline
▲ 0.50% · 4.625%
HK$21,534
+HK$1,235/mo
Deposit HK$1.80M · loan HK$4.19M · min. income ≈ HK$40,598/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$134,628 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,250
−HK$1,148/mo
▼ 0.25% · 3.875%
HK$21,820
−HK$578/mo
Today · 4.125%
HK$22,398
baseline
▲ 0.50% · 4.625%
HK$23,579
+HK$1,181/mo
Deposit HK$1.80M · loan HK$4.19M · min. income ≈ HK$44,796/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$134,628 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,559
−HK$1,540/mo
▼ 0.25% · 3.875%
HK$25,323
−HK$776/mo
Today · 4.125%
HK$26,099
baseline
▲ 0.50% · 4.625%
HK$27,687
+HK$1,588/mo
Deposit HK$598K · loan HK$5.39M · min. income ≈ HK$52,198/mo (50% DSR)
Upfront cash ≈ HK$733K (deposit + AVD stamp duty HK$134,628 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,321
−HK$1,477/mo
▼ 0.25% · 3.875%
HK$28,054
−HK$744/mo
Today · 4.125%
HK$28,798
baseline
▲ 0.50% · 4.625%
HK$30,316
+HK$1,518/mo
Deposit HK$598K · loan HK$5.39M · min. income ≈ HK$57,596/mo (50% DSR)
Upfront cash ≈ HK$733K (deposit + AVD stamp duty HK$134,628 · 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).