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$15,386
+HK$883/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$134,662 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,182
−HK$821/mo
▼ 0.25% · 3.875%
HK$15,590
−HK$413/mo
Today · 4.125%
HK$16,003
baseline
▲ 0.50% · 4.625%
HK$16,846
+HK$843/mo
Deposit HK$2.99M · loan HK$2.99M · min. income ≈ HK$32,006/mo (50% DSR)
Upfront cash ≈ HK$3.13M (deposit + AVD stamp duty HK$134,662 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,377
−HK$1,027/mo
▼ 0.25% · 3.875%
HK$16,886
−HK$518/mo
Today · 4.125%
HK$17,404
baseline
▲ 0.50% · 4.625%
HK$18,463
+HK$1,059/mo
Deposit HK$2.39M · loan HK$3.59M · min. income ≈ HK$34,808/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$134,662 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,219
−HK$984/mo
▼ 0.25% · 3.875%
HK$18,708
−HK$495/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$134,662 · 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$21,540
+HK$1,236/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$134,662 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,255
−HK$1,149/mo
▼ 0.25% · 3.875%
HK$21,825
−HK$579/mo
Today · 4.125%
HK$22,404
baseline
▲ 0.50% · 4.625%
HK$23,585
+HK$1,181/mo
Deposit HK$1.80M · loan HK$4.19M · min. income ≈ HK$44,808/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$134,662 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,565
−HK$1,541/mo
▼ 0.25% · 3.875%
HK$25,329
−HK$777/mo
Today · 4.125%
HK$26,106
baseline
▲ 0.50% · 4.625%
HK$27,694
+HK$1,588/mo
Deposit HK$598K · loan HK$5.39M · min. income ≈ HK$52,212/mo (50% DSR)
Upfront cash ≈ HK$733K (deposit + AVD stamp duty HK$134,662 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,328
−HK$1,477/mo
▼ 0.25% · 3.875%
HK$28,061
−HK$744/mo
Today · 4.125%
HK$28,805
baseline
▲ 0.50% · 4.625%
HK$30,323
+HK$1,518/mo
Deposit HK$598K · loan HK$5.39M · min. income ≈ HK$57,610/mo (50% DSR)
Upfront cash ≈ HK$733K (deposit + AVD stamp duty HK$134,662 · 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).