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$13,619
−HK$854/mo
▼ 0.25% · 3.875%
HK$14,042
−HK$431/mo
Today · 4.125%
HK$14,473
baseline
▲ 0.50% · 4.625%
HK$15,353
+HK$880/mo
Deposit HK$2.99M · loan HK$2.99M · min. income ≈ HK$28,946/mo (50% DSR)
Upfront cash ≈ HK$3.12M (deposit + AVD stamp duty HK$134,379 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,150
−HK$819/mo
▼ 0.25% · 3.875%
HK$15,557
−HK$412/mo
Today · 4.125%
HK$15,969
baseline
▲ 0.50% · 4.625%
HK$16,811
+HK$842/mo
Deposit HK$2.99M · loan HK$2.99M · min. income ≈ HK$31,938/mo (50% DSR)
Upfront cash ≈ HK$3.12M (deposit + AVD stamp duty HK$134,379 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,342
−HK$1,025/mo
▼ 0.25% · 3.875%
HK$16,851
−HK$516/mo
Today · 4.125%
HK$17,367
baseline
▲ 0.50% · 4.625%
HK$18,424
+HK$1,057/mo
Deposit HK$2.39M · loan HK$3.58M · min. income ≈ HK$34,734/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$134,379 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,181
−HK$982/mo
▼ 0.25% · 3.875%
HK$18,668
−HK$495/mo
Today · 4.125%
HK$19,163
baseline
▲ 0.50% · 4.625%
HK$20,173
+HK$1,010/mo
Deposit HK$2.39M · loan HK$3.58M · min. income ≈ HK$38,326/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$134,379 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,066
−HK$1,196/mo
▼ 0.25% · 3.875%
HK$19,659
−HK$603/mo
Today · 4.125%
HK$20,262
baseline
▲ 0.50% · 4.625%
HK$21,494
+HK$1,232/mo
Deposit HK$1.79M · loan HK$4.18M · min. income ≈ HK$40,524/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$134,379 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,211
−HK$1,146/mo
▼ 0.25% · 3.875%
HK$21,779
−HK$578/mo
Today · 4.125%
HK$22,357
baseline
▲ 0.50% · 4.625%
HK$23,535
+HK$1,178/mo
Deposit HK$1.79M · loan HK$4.18M · min. income ≈ HK$44,714/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$134,379 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,513
−HK$1,538/mo
▼ 0.25% · 3.875%
HK$25,276
−HK$775/mo
Today · 4.125%
HK$26,051
baseline
▲ 0.50% · 4.625%
HK$27,636
+HK$1,585/mo
Deposit HK$597K · loan HK$5.38M · min. income ≈ HK$52,102/mo (50% DSR)
Upfront cash ≈ HK$732K (deposit + AVD stamp duty HK$134,379 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,271
−HK$1,473/mo
▼ 0.25% · 3.875%
HK$28,002
−HK$742/mo
Today · 4.125%
HK$28,744
baseline
▲ 0.50% · 4.625%
HK$30,259
+HK$1,515/mo
Deposit HK$597K · loan HK$5.38M · min. income ≈ HK$57,488/mo (50% DSR)
Upfront cash ≈ HK$732K (deposit + AVD stamp duty HK$134,379 · 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).