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$13,626
−HK$854/mo
▼ 0.25% · 3.875%
HK$14,050
−HK$430/mo
Today · 4.125%
HK$14,480
baseline
▲ 0.50% · 4.625%
HK$15,361
+HK$881/mo
Deposit HK$2.99M · loan HK$2.99M · min. income ≈ HK$28,960/mo (50% DSR)
Upfront cash ≈ HK$3.12M (deposit + AVD stamp duty HK$134,451 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,159
−HK$819/mo
▼ 0.25% · 3.875%
HK$15,565
−HK$413/mo
Today · 4.125%
HK$15,978
baseline
▲ 0.50% · 4.625%
HK$16,820
+HK$842/mo
Deposit HK$2.99M · loan HK$2.99M · min. income ≈ HK$31,956/mo (50% DSR)
Upfront cash ≈ HK$3.12M (deposit + AVD stamp duty HK$134,451 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,351
−HK$1,025/mo
▼ 0.25% · 3.875%
HK$16,860
−HK$516/mo
Today · 4.125%
HK$17,376
baseline
▲ 0.50% · 4.625%
HK$18,434
+HK$1,058/mo
Deposit HK$2.39M · loan HK$3.59M · min. income ≈ HK$34,752/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$134,451 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,190
−HK$983/mo
▼ 0.25% · 3.875%
HK$18,678
−HK$495/mo
Today · 4.125%
HK$19,173
baseline
▲ 0.50% · 4.625%
HK$20,184
+HK$1,011/mo
Deposit HK$2.39M · loan HK$3.59M · min. income ≈ HK$38,346/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$134,451 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,076
−HK$1,196/mo
▼ 0.25% · 3.875%
HK$19,670
−HK$602/mo
Today · 4.125%
HK$20,272
baseline
▲ 0.50% · 4.625%
HK$21,506
+HK$1,234/mo
Deposit HK$1.79M · loan HK$4.18M · min. income ≈ HK$40,544/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$134,451 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,222
−HK$1,147/mo
▼ 0.25% · 3.875%
HK$21,791
−HK$578/mo
Today · 4.125%
HK$22,369
baseline
▲ 0.50% · 4.625%
HK$23,548
+HK$1,179/mo
Deposit HK$1.79M · loan HK$4.18M · min. income ≈ HK$44,738/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$134,451 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,526
−HK$1,539/mo
▼ 0.25% · 3.875%
HK$25,289
−HK$776/mo
Today · 4.125%
HK$26,065
baseline
▲ 0.50% · 4.625%
HK$27,650
+HK$1,585/mo
Deposit HK$598K · loan HK$5.38M · min. income ≈ HK$52,130/mo (50% DSR)
Upfront cash ≈ HK$732K (deposit + AVD stamp duty HK$134,451 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,285
−HK$1,475/mo
▼ 0.25% · 3.875%
HK$28,017
−HK$743/mo
Today · 4.125%
HK$28,760
baseline
▲ 0.50% · 4.625%
HK$30,276
+HK$1,516/mo
Deposit HK$598K · loan HK$5.38M · min. income ≈ HK$57,520/mo (50% DSR)
Upfront cash ≈ HK$732K (deposit + AVD stamp duty HK$134,451 · 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).