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$13,638
−HK$855/mo
▼ 0.25% · 3.875%
HK$14,062
−HK$431/mo
Today · 4.125%
HK$14,493
baseline
▲ 0.50% · 4.625%
HK$15,375
+HK$882/mo
Deposit HK$2.99M · loan HK$2.99M · min. income ≈ HK$28,986/mo (50% DSR)
Upfront cash ≈ HK$3.13M (deposit + AVD stamp duty HK$134,573 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,172
−HK$820/mo
▼ 0.25% · 3.875%
HK$15,579
−HK$413/mo
Today · 4.125%
HK$15,992
baseline
▲ 0.50% · 4.625%
HK$16,835
+HK$843/mo
Deposit HK$2.99M · loan HK$2.99M · min. income ≈ HK$31,984/mo (50% DSR)
Upfront cash ≈ HK$3.13M (deposit + AVD stamp duty HK$134,573 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,366
−HK$1,026/mo
▼ 0.25% · 3.875%
HK$16,875
−HK$517/mo
Today · 4.125%
HK$17,392
baseline
▲ 0.50% · 4.625%
HK$18,450
+HK$1,058/mo
Deposit HK$2.39M · loan HK$3.59M · min. income ≈ HK$34,784/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$134,573 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,207
−HK$984/mo
▼ 0.25% · 3.875%
HK$18,695
−HK$496/mo
Today · 4.125%
HK$19,191
baseline
▲ 0.50% · 4.625%
HK$20,202
+HK$1,011/mo
Deposit HK$2.39M · loan HK$3.59M · min. income ≈ HK$38,382/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$134,573 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,094
−HK$1,197/mo
▼ 0.25% · 3.875%
HK$19,687
−HK$604/mo
Today · 4.125%
HK$20,291
baseline
▲ 0.50% · 4.625%
HK$21,526
+HK$1,235/mo
Deposit HK$1.79M · loan HK$4.19M · min. income ≈ HK$40,582/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$134,573 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,241
−HK$1,148/mo
▼ 0.25% · 3.875%
HK$21,811
−HK$578/mo
Today · 4.125%
HK$22,389
baseline
▲ 0.50% · 4.625%
HK$23,569
+HK$1,180/mo
Deposit HK$1.79M · loan HK$4.19M · min. income ≈ HK$44,778/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$134,573 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,549
−HK$1,539/mo
▼ 0.25% · 3.875%
HK$25,312
−HK$776/mo
Today · 4.125%
HK$26,088
baseline
▲ 0.50% · 4.625%
HK$27,676
+HK$1,588/mo
Deposit HK$598K · loan HK$5.38M · min. income ≈ HK$52,176/mo (50% DSR)
Upfront cash ≈ HK$733K (deposit + AVD stamp duty HK$134,573 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,310
−HK$1,476/mo
▼ 0.25% · 3.875%
HK$28,043
−HK$743/mo
Today · 4.125%
HK$28,786
baseline
▲ 0.50% · 4.625%
HK$30,303
+HK$1,517/mo
Deposit HK$598K · loan HK$5.38M · min. income ≈ HK$57,572/mo (50% DSR)
Upfront cash ≈ HK$733K (deposit + AVD stamp duty HK$134,573 · 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).