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$13,645
−HK$856/mo
▼ 0.25% · 3.875%
HK$14,070
−HK$431/mo
Today · 4.125%
HK$14,501
baseline
▲ 0.50% · 4.625%
HK$15,383
+HK$882/mo
Deposit HK$2.99M · loan HK$2.99M · min. income ≈ HK$29,002/mo (50% DSR)
Upfront cash ≈ HK$3.13M (deposit + AVD stamp duty HK$134,641 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,180
−HK$820/mo
▼ 0.25% · 3.875%
HK$15,587
−HK$413/mo
Today · 4.125%
HK$16,000
baseline
▲ 0.50% · 4.625%
HK$16,844
+HK$844/mo
Deposit HK$2.99M · loan HK$2.99M · min. income ≈ HK$32,000/mo (50% DSR)
Upfront cash ≈ HK$3.13M (deposit + AVD stamp duty HK$134,641 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,374
−HK$1,027/mo
▼ 0.25% · 3.875%
HK$16,883
−HK$518/mo
Today · 4.125%
HK$17,401
baseline
▲ 0.50% · 4.625%
HK$18,460
+HK$1,059/mo
Deposit HK$2.39M · loan HK$3.59M · min. income ≈ HK$34,802/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$134,641 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,216
−HK$984/mo
▼ 0.25% · 3.875%
HK$18,705
−HK$495/mo
Today · 4.125%
HK$19,200
baseline
▲ 0.50% · 4.625%
HK$20,212
+HK$1,012/mo
Deposit HK$2.39M · loan HK$3.59M · min. income ≈ HK$38,400/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$134,641 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,103
−HK$1,198/mo
▼ 0.25% · 3.875%
HK$19,697
−HK$604/mo
Today · 4.125%
HK$20,301
baseline
▲ 0.50% · 4.625%
HK$21,536
+HK$1,235/mo
Deposit HK$1.80M · loan HK$4.19M · min. income ≈ HK$40,602/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$134,641 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,252
−HK$1,148/mo
▼ 0.25% · 3.875%
HK$21,822
−HK$578/mo
Today · 4.125%
HK$22,400
baseline
▲ 0.50% · 4.625%
HK$23,581
+HK$1,181/mo
Deposit HK$1.80M · loan HK$4.19M · min. income ≈ HK$44,800/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$134,641 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,561
−HK$1,540/mo
▼ 0.25% · 3.875%
HK$25,325
−HK$776/mo
Today · 4.125%
HK$26,101
baseline
▲ 0.50% · 4.625%
HK$27,690
+HK$1,589/mo
Deposit HK$598K · loan HK$5.39M · min. income ≈ HK$52,202/mo (50% DSR)
Upfront cash ≈ HK$733K (deposit + AVD stamp duty HK$134,641 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,324
−HK$1,476/mo
▼ 0.25% · 3.875%
HK$28,057
−HK$743/mo
Today · 4.125%
HK$28,800
baseline
▲ 0.50% · 4.625%
HK$30,318
+HK$1,518/mo
Deposit HK$598K · loan HK$5.39M · min. income ≈ HK$57,600/mo (50% DSR)
Upfront cash ≈ HK$733K (deposit + AVD stamp duty HK$134,641 · 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).