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$13,632
−HK$855/mo
▼ 0.25% · 3.875%
HK$14,056
−HK$431/mo
Today · 4.125%
HK$14,487
baseline
▲ 0.50% · 4.625%
HK$15,368
+HK$881/mo
Deposit HK$2.99M · loan HK$2.99M · min. income ≈ HK$28,974/mo (50% DSR)
Upfront cash ≈ HK$3.12M (deposit + AVD stamp duty HK$134,510 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,165
−HK$820/mo
▼ 0.25% · 3.875%
HK$15,572
−HK$413/mo
Today · 4.125%
HK$15,985
baseline
▲ 0.50% · 4.625%
HK$16,827
+HK$842/mo
Deposit HK$2.99M · loan HK$2.99M · min. income ≈ HK$31,970/mo (50% DSR)
Upfront cash ≈ HK$3.12M (deposit + AVD stamp duty HK$134,510 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,358
−HK$1,026/mo
▼ 0.25% · 3.875%
HK$16,867
−HK$517/mo
Today · 4.125%
HK$17,384
baseline
▲ 0.50% · 4.625%
HK$18,442
+HK$1,058/mo
Deposit HK$2.39M · loan HK$3.59M · min. income ≈ HK$34,768/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$134,510 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,198
−HK$984/mo
▼ 0.25% · 3.875%
HK$18,686
−HK$496/mo
Today · 4.125%
HK$19,182
baseline
▲ 0.50% · 4.625%
HK$20,193
+HK$1,011/mo
Deposit HK$2.39M · loan HK$3.59M · min. income ≈ HK$38,364/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$134,510 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,085
−HK$1,196/mo
▼ 0.25% · 3.875%
HK$19,678
−HK$603/mo
Today · 4.125%
HK$20,281
baseline
▲ 0.50% · 4.625%
HK$21,515
+HK$1,234/mo
Deposit HK$1.79M · loan HK$4.18M · min. income ≈ HK$40,562/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$134,510 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,231
−HK$1,147/mo
▼ 0.25% · 3.875%
HK$21,801
−HK$577/mo
Today · 4.125%
HK$22,378
baseline
▲ 0.50% · 4.625%
HK$23,558
+HK$1,180/mo
Deposit HK$1.79M · loan HK$4.18M · min. income ≈ HK$44,756/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$134,510 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,537
−HK$1,539/mo
▼ 0.25% · 3.875%
HK$25,301
−HK$775/mo
Today · 4.125%
HK$26,076
baseline
▲ 0.50% · 4.625%
HK$27,663
+HK$1,587/mo
Deposit HK$598K · loan HK$5.38M · min. income ≈ HK$52,152/mo (50% DSR)
Upfront cash ≈ HK$732K (deposit + AVD stamp duty HK$134,510 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,298
−HK$1,474/mo
▼ 0.25% · 3.875%
HK$28,030
−HK$742/mo
Today · 4.125%
HK$28,772
baseline
▲ 0.50% · 4.625%
HK$30,289
+HK$1,517/mo
Deposit HK$598K · loan HK$5.38M · min. income ≈ HK$57,544/mo (50% DSR)
Upfront cash ≈ HK$732K (deposit + AVD stamp duty HK$134,510 · 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).