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$13,629
−HK$855/mo
▼ 0.25% · 3.875%
HK$14,053
−HK$431/mo
Today · 4.125%
HK$14,484
baseline
▲ 0.50% · 4.625%
HK$15,365
+HK$881/mo
Deposit HK$2.99M · loan HK$2.99M · min. income ≈ HK$28,968/mo (50% DSR)
Upfront cash ≈ HK$3.12M (deposit + AVD stamp duty HK$134,485 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,162
−HK$820/mo
▼ 0.25% · 3.875%
HK$15,569
−HK$413/mo
Today · 4.125%
HK$15,982
baseline
▲ 0.50% · 4.625%
HK$16,824
+HK$842/mo
Deposit HK$2.99M · loan HK$2.99M · min. income ≈ HK$31,964/mo (50% DSR)
Upfront cash ≈ HK$3.12M (deposit + AVD stamp duty HK$134,485 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,355
−HK$1,026/mo
▼ 0.25% · 3.875%
HK$16,864
−HK$517/mo
Today · 4.125%
HK$17,381
baseline
▲ 0.50% · 4.625%
HK$18,438
+HK$1,057/mo
Deposit HK$2.39M · loan HK$3.59M · min. income ≈ HK$34,762/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$134,485 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,195
−HK$983/mo
▼ 0.25% · 3.875%
HK$18,683
−HK$495/mo
Today · 4.125%
HK$19,178
baseline
▲ 0.50% · 4.625%
HK$20,189
+HK$1,011/mo
Deposit HK$2.39M · loan HK$3.59M · min. income ≈ HK$38,356/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$134,485 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,081
−HK$1,197/mo
▼ 0.25% · 3.875%
HK$19,675
−HK$603/mo
Today · 4.125%
HK$20,278
baseline
▲ 0.50% · 4.625%
HK$21,511
+HK$1,233/mo
Deposit HK$1.79M · loan HK$4.18M · min. income ≈ HK$40,556/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$134,485 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,227
−HK$1,147/mo
▼ 0.25% · 3.875%
HK$21,797
−HK$577/mo
Today · 4.125%
HK$22,374
baseline
▲ 0.50% · 4.625%
HK$23,554
+HK$1,180/mo
Deposit HK$1.79M · loan HK$4.18M · min. income ≈ HK$44,748/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$134,485 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,533
−HK$1,538/mo
▼ 0.25% · 3.875%
HK$25,296
−HK$775/mo
Today · 4.125%
HK$26,071
baseline
▲ 0.50% · 4.625%
HK$27,658
+HK$1,587/mo
Deposit HK$598K · loan HK$5.38M · min. income ≈ HK$52,142/mo (50% DSR)
Upfront cash ≈ HK$732K (deposit + AVD stamp duty HK$134,485 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,292
−HK$1,475/mo
▼ 0.25% · 3.875%
HK$28,024
−HK$743/mo
Today · 4.125%
HK$28,767
baseline
▲ 0.50% · 4.625%
HK$30,283
+HK$1,516/mo
Deposit HK$598K · loan HK$5.38M · min. income ≈ HK$57,534/mo (50% DSR)
Upfront cash ≈ HK$732K (deposit + AVD stamp duty HK$134,485 · 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).