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$13,649
−HK$856/mo
▼ 0.25% · 3.875%
HK$14,074
−HK$431/mo
Today · 4.125%
HK$14,505
baseline
▲ 0.50% · 4.625%
HK$15,388
+HK$883/mo
Deposit HK$2.99M · loan HK$2.99M · min. income ≈ HK$29,010/mo (50% DSR)
Upfront cash ≈ HK$3.13M (deposit + AVD stamp duty HK$134,684 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,185
−HK$820/mo
▼ 0.25% · 3.875%
HK$15,592
−HK$413/mo
Today · 4.125%
HK$16,005
baseline
▲ 0.50% · 4.625%
HK$16,849
+HK$844/mo
Deposit HK$2.99M · loan HK$2.99M · min. income ≈ HK$32,010/mo (50% DSR)
Upfront cash ≈ HK$3.13M (deposit + AVD stamp duty HK$134,684 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,379
−HK$1,027/mo
▼ 0.25% · 3.875%
HK$16,889
−HK$517/mo
Today · 4.125%
HK$17,406
baseline
▲ 0.50% · 4.625%
HK$18,466
+HK$1,060/mo
Deposit HK$2.39M · loan HK$3.59M · min. income ≈ HK$34,812/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$134,684 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,222
−HK$984/mo
▼ 0.25% · 3.875%
HK$18,711
−HK$495/mo
Today · 4.125%
HK$19,206
baseline
▲ 0.50% · 4.625%
HK$20,219
+HK$1,013/mo
Deposit HK$2.39M · loan HK$3.59M · min. income ≈ HK$38,412/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$134,684 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,109
−HK$1,199/mo
▼ 0.25% · 3.875%
HK$19,704
−HK$604/mo
Today · 4.125%
HK$20,308
baseline
▲ 0.50% · 4.625%
HK$21,543
+HK$1,235/mo
Deposit HK$1.80M · loan HK$4.19M · min. income ≈ HK$40,616/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$134,684 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,259
−HK$1,148/mo
▼ 0.25% · 3.875%
HK$21,829
−HK$578/mo
Today · 4.125%
HK$22,407
baseline
▲ 0.50% · 4.625%
HK$23,588
+HK$1,181/mo
Deposit HK$1.80M · loan HK$4.19M · min. income ≈ HK$44,814/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$134,684 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,569
−HK$1,541/mo
▼ 0.25% · 3.875%
HK$25,333
−HK$777/mo
Today · 4.125%
HK$26,110
baseline
▲ 0.50% · 4.625%
HK$27,698
+HK$1,588/mo
Deposit HK$599K · loan HK$5.39M · min. income ≈ HK$52,220/mo (50% DSR)
Upfront cash ≈ HK$733K (deposit + AVD stamp duty HK$134,684 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,333
−HK$1,476/mo
▼ 0.25% · 3.875%
HK$28,066
−HK$743/mo
Today · 4.125%
HK$28,809
baseline
▲ 0.50% · 4.625%
HK$30,328
+HK$1,519/mo
Deposit HK$599K · loan HK$5.39M · min. income ≈ HK$57,618/mo (50% DSR)
Upfront cash ≈ HK$733K (deposit + AVD stamp duty HK$134,684 · 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).