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$134,680 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,184
−HK$821/mo
▼ 0.25% · 3.875%
HK$15,592
−HK$413/mo
Today · 4.125%
HK$16,005
baseline
▲ 0.50% · 4.625%
HK$16,848
+HK$843/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$134,680 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,379
−HK$1,027/mo
▼ 0.25% · 3.875%
HK$16,888
−HK$518/mo
Today · 4.125%
HK$17,406
baseline
▲ 0.50% · 4.625%
HK$18,465
+HK$1,059/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$134,680 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,221
−HK$985/mo
▼ 0.25% · 3.875%
HK$18,710
−HK$496/mo
Today · 4.125%
HK$19,206
baseline
▲ 0.50% · 4.625%
HK$20,218
+HK$1,012/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$134,680 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,109
−HK$1,198/mo
▼ 0.25% · 3.875%
HK$19,703
−HK$604/mo
Today · 4.125%
HK$20,307
baseline
▲ 0.50% · 4.625%
HK$21,543
+HK$1,236/mo
Deposit HK$1.80M · loan HK$4.19M · min. income ≈ HK$40,614/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$134,680 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,258
−HK$1,149/mo
▼ 0.25% · 3.875%
HK$21,828
−HK$579/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$134,680 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,568
−HK$1,541/mo
▼ 0.25% · 3.875%
HK$25,333
−HK$776/mo
Today · 4.125%
HK$26,109
baseline
▲ 0.50% · 4.625%
HK$27,698
+HK$1,589/mo
Deposit HK$599K · loan HK$5.39M · min. income ≈ HK$52,218/mo (50% DSR)
Upfront cash ≈ HK$733K (deposit + AVD stamp duty HK$134,680 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,332
−HK$1,477/mo
▼ 0.25% · 3.875%
HK$28,065
−HK$744/mo
Today · 4.125%
HK$28,809
baseline
▲ 0.50% · 4.625%
HK$30,327
+HK$1,518/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$134,680 · 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).