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$13,631
−HK$855/mo
▼ 0.25% · 3.875%
HK$14,055
−HK$431/mo
Today · 4.125%
HK$14,486
baseline
▲ 0.50% · 4.625%
HK$15,367
+HK$881/mo
Deposit HK$2.99M · loan HK$2.99M · min. income ≈ HK$28,972/mo (50% DSR)
Upfront cash ≈ HK$3.12M (deposit + AVD stamp duty HK$134,502 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,164
−HK$820/mo
▼ 0.25% · 3.875%
HK$15,571
−HK$413/mo
Today · 4.125%
HK$15,984
baseline
▲ 0.50% · 4.625%
HK$16,826
+HK$842/mo
Deposit HK$2.99M · loan HK$2.99M · min. income ≈ HK$31,968/mo (50% DSR)
Upfront cash ≈ HK$3.12M (deposit + AVD stamp duty HK$134,502 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,357
−HK$1,026/mo
▼ 0.25% · 3.875%
HK$16,866
−HK$517/mo
Today · 4.125%
HK$17,383
baseline
▲ 0.50% · 4.625%
HK$18,441
+HK$1,058/mo
Deposit HK$2.39M · loan HK$3.59M · min. income ≈ HK$34,766/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$134,502 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,197
−HK$983/mo
▼ 0.25% · 3.875%
HK$18,685
−HK$495/mo
Today · 4.125%
HK$19,180
baseline
▲ 0.50% · 4.625%
HK$20,191
+HK$1,011/mo
Deposit HK$2.39M · loan HK$3.59M · min. income ≈ HK$38,360/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$134,502 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,083
−HK$1,197/mo
▼ 0.25% · 3.875%
HK$19,677
−HK$603/mo
Today · 4.125%
HK$20,280
baseline
▲ 0.50% · 4.625%
HK$21,514
+HK$1,234/mo
Deposit HK$1.79M · loan HK$4.18M · min. income ≈ HK$40,560/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$134,502 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,230
−HK$1,147/mo
▼ 0.25% · 3.875%
HK$21,800
−HK$577/mo
Today · 4.125%
HK$22,377
baseline
▲ 0.50% · 4.625%
HK$23,557
+HK$1,180/mo
Deposit HK$1.79M · loan HK$4.18M · min. income ≈ HK$44,754/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$134,502 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,536
−HK$1,539/mo
▼ 0.25% · 3.875%
HK$25,299
−HK$776/mo
Today · 4.125%
HK$26,075
baseline
▲ 0.50% · 4.625%
HK$27,661
+HK$1,586/mo
Deposit HK$598K · loan HK$5.38M · min. income ≈ HK$52,150/mo (50% DSR)
Upfront cash ≈ HK$732K (deposit + AVD stamp duty HK$134,502 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,296
−HK$1,475/mo
▼ 0.25% · 3.875%
HK$28,028
−HK$743/mo
Today · 4.125%
HK$28,771
baseline
▲ 0.50% · 4.625%
HK$30,287
+HK$1,516/mo
Deposit HK$598K · loan HK$5.38M · min. income ≈ HK$57,542/mo (50% DSR)
Upfront cash ≈ HK$732K (deposit + AVD stamp duty HK$134,502 · 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).