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$13,633
−HK$855/mo
▼ 0.25% · 3.875%
HK$14,057
−HK$431/mo
Today · 4.125%
HK$14,488
baseline
▲ 0.50% · 4.625%
HK$15,370
+HK$882/mo
Deposit HK$2.99M · loan HK$2.99M · min. income ≈ HK$28,976/mo (50% DSR)
Upfront cash ≈ HK$3.12M (deposit + AVD stamp duty HK$134,526 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,167
−HK$819/mo
▼ 0.25% · 3.875%
HK$15,574
−HK$412/mo
Today · 4.125%
HK$15,986
baseline
▲ 0.50% · 4.625%
HK$16,829
+HK$843/mo
Deposit HK$2.99M · loan HK$2.99M · min. income ≈ HK$31,972/mo (50% DSR)
Upfront cash ≈ HK$3.12M (deposit + AVD stamp duty HK$134,526 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,360
−HK$1,026/mo
▼ 0.25% · 3.875%
HK$16,869
−HK$517/mo
Today · 4.125%
HK$17,386
baseline
▲ 0.50% · 4.625%
HK$18,444
+HK$1,058/mo
Deposit HK$2.39M · loan HK$3.59M · min. income ≈ HK$34,772/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$134,526 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,200
−HK$984/mo
▼ 0.25% · 3.875%
HK$18,689
−HK$495/mo
Today · 4.125%
HK$19,184
baseline
▲ 0.50% · 4.625%
HK$20,195
+HK$1,011/mo
Deposit HK$2.39M · loan HK$3.59M · min. income ≈ HK$38,368/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$134,526 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,087
−HK$1,197/mo
▼ 0.25% · 3.875%
HK$19,680
−HK$604/mo
Today · 4.125%
HK$20,284
baseline
▲ 0.50% · 4.625%
HK$21,518
+HK$1,234/mo
Deposit HK$1.79M · loan HK$4.19M · min. income ≈ HK$40,568/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$134,526 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,234
−HK$1,147/mo
▼ 0.25% · 3.875%
HK$21,803
−HK$578/mo
Today · 4.125%
HK$22,381
baseline
▲ 0.50% · 4.625%
HK$23,561
+HK$1,180/mo
Deposit HK$1.79M · loan HK$4.19M · min. income ≈ HK$44,762/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$134,526 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,540
−HK$1,539/mo
▼ 0.25% · 3.875%
HK$25,303
−HK$776/mo
Today · 4.125%
HK$26,079
baseline
▲ 0.50% · 4.625%
HK$27,666
+HK$1,587/mo
Deposit HK$598K · loan HK$5.38M · min. income ≈ HK$52,158/mo (50% DSR)
Upfront cash ≈ HK$732K (deposit + AVD stamp duty HK$134,526 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,301
−HK$1,475/mo
▼ 0.25% · 3.875%
HK$28,033
−HK$743/mo
Today · 4.125%
HK$28,776
baseline
▲ 0.50% · 4.625%
HK$30,292
+HK$1,516/mo
Deposit HK$598K · loan HK$5.38M · min. income ≈ HK$57,552/mo (50% DSR)
Upfront cash ≈ HK$732K (deposit + AVD stamp duty HK$134,526 · 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).