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$13,647
−HK$856/mo
▼ 0.25% · 3.875%
HK$14,072
−HK$431/mo
Today · 4.125%
HK$14,503
baseline
▲ 0.50% · 4.625%
HK$15,385
+HK$882/mo
Deposit HK$2.99M · loan HK$2.99M · min. income ≈ HK$29,006/mo (50% DSR)
Upfront cash ≈ HK$3.13M (deposit + AVD stamp duty HK$134,660 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,182
−HK$820/mo
▼ 0.25% · 3.875%
HK$15,589
−HK$413/mo
Today · 4.125%
HK$16,002
baseline
▲ 0.50% · 4.625%
HK$16,846
+HK$844/mo
Deposit HK$2.99M · loan HK$2.99M · min. income ≈ HK$32,004/mo (50% DSR)
Upfront cash ≈ HK$3.13M (deposit + AVD stamp duty HK$134,660 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,376
−HK$1,027/mo
▼ 0.25% · 3.875%
HK$16,886
−HK$517/mo
Today · 4.125%
HK$17,403
baseline
▲ 0.50% · 4.625%
HK$18,462
+HK$1,059/mo
Deposit HK$2.39M · loan HK$3.59M · min. income ≈ HK$34,806/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$134,660 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,219
−HK$984/mo
▼ 0.25% · 3.875%
HK$18,707
−HK$496/mo
Today · 4.125%
HK$19,203
baseline
▲ 0.50% · 4.625%
HK$20,215
+HK$1,012/mo
Deposit HK$2.39M · loan HK$3.59M · min. income ≈ HK$38,406/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$134,660 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,106
−HK$1,198/mo
▼ 0.25% · 3.875%
HK$19,700
−HK$604/mo
Today · 4.125%
HK$20,304
baseline
▲ 0.50% · 4.625%
HK$21,539
+HK$1,235/mo
Deposit HK$1.80M · loan HK$4.19M · min. income ≈ HK$40,608/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$134,660 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,255
−HK$1,148/mo
▼ 0.25% · 3.875%
HK$21,825
−HK$578/mo
Today · 4.125%
HK$22,403
baseline
▲ 0.50% · 4.625%
HK$23,584
+HK$1,181/mo
Deposit HK$1.80M · loan HK$4.19M · min. income ≈ HK$44,806/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$134,660 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,565
−HK$1,540/mo
▼ 0.25% · 3.875%
HK$25,329
−HK$776/mo
Today · 4.125%
HK$26,105
baseline
▲ 0.50% · 4.625%
HK$27,693
+HK$1,588/mo
Deposit HK$598K · loan HK$5.39M · min. income ≈ HK$52,210/mo (50% DSR)
Upfront cash ≈ HK$733K (deposit + AVD stamp duty HK$134,660 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,328
−HK$1,476/mo
▼ 0.25% · 3.875%
HK$28,061
−HK$743/mo
Today · 4.125%
HK$28,804
baseline
▲ 0.50% · 4.625%
HK$30,323
+HK$1,519/mo
Deposit HK$598K · loan HK$5.39M · min. income ≈ HK$57,608/mo (50% DSR)
Upfront cash ≈ HK$733K (deposit + AVD stamp duty HK$134,660 · 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).