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$13,625
−HK$854/mo
▼ 0.25% · 3.875%
HK$14,049
−HK$430/mo
Today · 4.125%
HK$14,479
baseline
▲ 0.50% · 4.625%
HK$15,361
+HK$882/mo
Deposit HK$2.99M · loan HK$2.99M · min. income ≈ HK$28,958/mo (50% DSR)
Upfront cash ≈ HK$3.12M (deposit + AVD stamp duty HK$134,443 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,158
−HK$819/mo
▼ 0.25% · 3.875%
HK$15,564
−HK$413/mo
Today · 4.125%
HK$15,977
baseline
▲ 0.50% · 4.625%
HK$16,819
+HK$842/mo
Deposit HK$2.99M · loan HK$2.99M · min. income ≈ HK$31,954/mo (50% DSR)
Upfront cash ≈ HK$3.12M (deposit + AVD stamp duty HK$134,443 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,350
−HK$1,025/mo
▼ 0.25% · 3.875%
HK$16,859
−HK$516/mo
Today · 4.125%
HK$17,375
baseline
▲ 0.50% · 4.625%
HK$18,433
+HK$1,058/mo
Deposit HK$2.39M · loan HK$3.59M · min. income ≈ HK$34,750/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$134,443 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,189
−HK$983/mo
▼ 0.25% · 3.875%
HK$18,677
−HK$495/mo
Today · 4.125%
HK$19,172
baseline
▲ 0.50% · 4.625%
HK$20,183
+HK$1,011/mo
Deposit HK$2.39M · loan HK$3.59M · min. income ≈ HK$38,344/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$134,443 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,075
−HK$1,196/mo
▼ 0.25% · 3.875%
HK$19,668
−HK$603/mo
Today · 4.125%
HK$20,271
baseline
▲ 0.50% · 4.625%
HK$21,505
+HK$1,234/mo
Deposit HK$1.79M · loan HK$4.18M · min. income ≈ HK$40,542/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$134,443 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,221
−HK$1,146/mo
▼ 0.25% · 3.875%
HK$21,790
−HK$577/mo
Today · 4.125%
HK$22,367
baseline
▲ 0.50% · 4.625%
HK$23,546
+HK$1,179/mo
Deposit HK$1.79M · loan HK$4.18M · min. income ≈ HK$44,734/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$134,443 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,525
−HK$1,538/mo
▼ 0.25% · 3.875%
HK$25,288
−HK$775/mo
Today · 4.125%
HK$26,063
baseline
▲ 0.50% · 4.625%
HK$27,649
+HK$1,586/mo
Deposit HK$598K · loan HK$5.38M · min. income ≈ HK$52,126/mo (50% DSR)
Upfront cash ≈ HK$732K (deposit + AVD stamp duty HK$134,443 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,284
−HK$1,474/mo
▼ 0.25% · 3.875%
HK$28,016
−HK$742/mo
Today · 4.125%
HK$28,758
baseline
▲ 0.50% · 4.625%
HK$30,274
+HK$1,516/mo
Deposit HK$598K · loan HK$5.38M · min. income ≈ HK$57,516/mo (50% DSR)
Upfront cash ≈ HK$732K (deposit + AVD stamp duty HK$134,443 · 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).