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$13,636
−HK$855/mo
▼ 0.25% · 3.875%
HK$14,060
−HK$431/mo
Today · 4.125%
HK$14,491
baseline
▲ 0.50% · 4.625%
HK$15,372
+HK$881/mo
Deposit HK$2.99M · loan HK$2.99M · min. income ≈ HK$28,982/mo (50% DSR)
Upfront cash ≈ HK$3.12M (deposit + AVD stamp duty HK$134,547 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,169
−HK$820/mo
▼ 0.25% · 3.875%
HK$15,576
−HK$413/mo
Today · 4.125%
HK$15,989
baseline
▲ 0.50% · 4.625%
HK$16,832
+HK$843/mo
Deposit HK$2.99M · loan HK$2.99M · min. income ≈ HK$31,978/mo (50% DSR)
Upfront cash ≈ HK$3.12M (deposit + AVD stamp duty HK$134,547 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,363
−HK$1,026/mo
▼ 0.25% · 3.875%
HK$16,872
−HK$517/mo
Today · 4.125%
HK$17,389
baseline
▲ 0.50% · 4.625%
HK$18,447
+HK$1,058/mo
Deposit HK$2.39M · loan HK$3.59M · min. income ≈ HK$34,778/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$134,547 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,203
−HK$984/mo
▼ 0.25% · 3.875%
HK$18,692
−HK$495/mo
Today · 4.125%
HK$19,187
baseline
▲ 0.50% · 4.625%
HK$20,198
+HK$1,011/mo
Deposit HK$2.39M · loan HK$3.59M · min. income ≈ HK$38,374/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$134,547 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,090
−HK$1,197/mo
▼ 0.25% · 3.875%
HK$19,684
−HK$603/mo
Today · 4.125%
HK$20,287
baseline
▲ 0.50% · 4.625%
HK$21,521
+HK$1,234/mo
Deposit HK$1.79M · loan HK$4.19M · min. income ≈ HK$40,574/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$134,547 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,237
−HK$1,148/mo
▼ 0.25% · 3.875%
HK$21,807
−HK$578/mo
Today · 4.125%
HK$22,385
baseline
▲ 0.50% · 4.625%
HK$23,565
+HK$1,180/mo
Deposit HK$1.79M · loan HK$4.19M · min. income ≈ HK$44,770/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$134,547 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,544
−HK$1,539/mo
▼ 0.25% · 3.875%
HK$25,308
−HK$775/mo
Today · 4.125%
HK$26,083
baseline
▲ 0.50% · 4.625%
HK$27,670
+HK$1,587/mo
Deposit HK$598K · loan HK$5.38M · min. income ≈ HK$52,166/mo (50% DSR)
Upfront cash ≈ HK$733K (deposit + AVD stamp duty HK$134,547 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,305
−HK$1,475/mo
▼ 0.25% · 3.875%
HK$28,037
−HK$743/mo
Today · 4.125%
HK$28,780
baseline
▲ 0.50% · 4.625%
HK$30,297
+HK$1,517/mo
Deposit HK$598K · loan HK$5.38M · min. income ≈ HK$57,560/mo (50% DSR)
Upfront cash ≈ HK$733K (deposit + AVD stamp duty HK$134,547 · 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).