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$13,628
−HK$855/mo
▼ 0.25% · 3.875%
HK$14,052
−HK$431/mo
Today · 4.125%
HK$14,483
baseline
▲ 0.50% · 4.625%
HK$15,364
+HK$881/mo
Deposit HK$2.99M · loan HK$2.99M · min. income ≈ HK$28,966/mo (50% DSR)
Upfront cash ≈ HK$3.12M (deposit + AVD stamp duty HK$134,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,161
−HK$819/mo
▼ 0.25% · 3.875%
HK$15,568
−HK$412/mo
Today · 4.125%
HK$15,980
baseline
▲ 0.50% · 4.625%
HK$16,823
+HK$843/mo
Deposit HK$2.99M · loan HK$2.99M · min. income ≈ HK$31,960/mo (50% DSR)
Upfront cash ≈ HK$3.12M (deposit + AVD stamp duty HK$134,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,354
−HK$1,025/mo
▼ 0.25% · 3.875%
HK$16,863
−HK$516/mo
Today · 4.125%
HK$17,379
baseline
▲ 0.50% · 4.625%
HK$18,437
+HK$1,058/mo
Deposit HK$2.39M · loan HK$3.59M · min. income ≈ HK$34,758/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$134,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,193
−HK$983/mo
▼ 0.25% · 3.875%
HK$18,681
−HK$495/mo
Today · 4.125%
HK$19,176
baseline
▲ 0.50% · 4.625%
HK$20,187
+HK$1,011/mo
Deposit HK$2.39M · loan HK$3.59M · min. income ≈ HK$38,352/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$134,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,079
−HK$1,197/mo
▼ 0.25% · 3.875%
HK$19,673
−HK$603/mo
Today · 4.125%
HK$20,276
baseline
▲ 0.50% · 4.625%
HK$21,510
+HK$1,234/mo
Deposit HK$1.79M · loan HK$4.18M · min. income ≈ HK$40,552/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$134,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,226
−HK$1,147/mo
▼ 0.25% · 3.875%
HK$21,795
−HK$578/mo
Today · 4.125%
HK$22,373
baseline
▲ 0.50% · 4.625%
HK$23,552
+HK$1,179/mo
Deposit HK$1.79M · loan HK$4.18M · min. income ≈ HK$44,746/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$134,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,531
−HK$1,538/mo
▼ 0.25% · 3.875%
HK$25,294
−HK$775/mo
Today · 4.125%
HK$26,069
baseline
▲ 0.50% · 4.625%
HK$27,655
+HK$1,586/mo
Deposit HK$598K · loan HK$5.38M · min. income ≈ HK$52,138/mo (50% DSR)
Upfront cash ≈ HK$732K (deposit + AVD stamp duty HK$134,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,290
−HK$1,475/mo
▼ 0.25% · 3.875%
HK$28,022
−HK$743/mo
Today · 4.125%
HK$28,765
baseline
▲ 0.50% · 4.625%
HK$30,281
+HK$1,516/mo
Deposit HK$598K · loan HK$5.38M · min. income ≈ HK$57,530/mo (50% DSR)
Upfront cash ≈ HK$732K (deposit + AVD stamp duty HK$134,474 · 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).