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$13,640
−HK$856/mo
▼ 0.25% · 3.875%
HK$14,065
−HK$431/mo
Today · 4.125%
HK$14,496
baseline
▲ 0.50% · 4.625%
HK$15,378
+HK$882/mo
Deposit HK$2.99M · loan HK$2.99M · min. income ≈ HK$28,992/mo (50% DSR)
Upfront cash ≈ HK$3.13M (deposit + AVD stamp duty HK$134,595 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,175
−HK$820/mo
▼ 0.25% · 3.875%
HK$15,582
−HK$413/mo
Today · 4.125%
HK$15,995
baseline
▲ 0.50% · 4.625%
HK$16,838
+HK$843/mo
Deposit HK$2.99M · loan HK$2.99M · min. income ≈ HK$31,990/mo (50% DSR)
Upfront cash ≈ HK$3.13M (deposit + AVD stamp duty HK$134,595 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,369
−HK$1,026/mo
▼ 0.25% · 3.875%
HK$16,878
−HK$517/mo
Today · 4.125%
HK$17,395
baseline
▲ 0.50% · 4.625%
HK$18,453
+HK$1,058/mo
Deposit HK$2.39M · loan HK$3.59M · min. income ≈ HK$34,790/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$134,595 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,210
−HK$984/mo
▼ 0.25% · 3.875%
HK$18,698
−HK$496/mo
Today · 4.125%
HK$19,194
baseline
▲ 0.50% · 4.625%
HK$20,205
+HK$1,011/mo
Deposit HK$2.39M · loan HK$3.59M · min. income ≈ HK$38,388/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$134,595 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,097
−HK$1,197/mo
▼ 0.25% · 3.875%
HK$19,691
−HK$603/mo
Today · 4.125%
HK$20,294
baseline
▲ 0.50% · 4.625%
HK$21,529
+HK$1,235/mo
Deposit HK$1.79M · loan HK$4.19M · min. income ≈ HK$40,588/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$134,595 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,245
−HK$1,148/mo
▼ 0.25% · 3.875%
HK$21,815
−HK$578/mo
Today · 4.125%
HK$22,393
baseline
▲ 0.50% · 4.625%
HK$23,573
+HK$1,180/mo
Deposit HK$1.79M · loan HK$4.19M · min. income ≈ HK$44,786/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$134,595 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,553
−HK$1,539/mo
▼ 0.25% · 3.875%
HK$25,316
−HK$776/mo
Today · 4.125%
HK$26,092
baseline
▲ 0.50% · 4.625%
HK$27,680
+HK$1,588/mo
Deposit HK$598K · loan HK$5.38M · min. income ≈ HK$52,184/mo (50% DSR)
Upfront cash ≈ HK$733K (deposit + AVD stamp duty HK$134,595 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,315
−HK$1,475/mo
▼ 0.25% · 3.875%
HK$28,047
−HK$743/mo
Today · 4.125%
HK$28,790
baseline
▲ 0.50% · 4.625%
HK$30,308
+HK$1,518/mo
Deposit HK$598K · loan HK$5.38M · min. income ≈ HK$57,580/mo (50% DSR)
Upfront cash ≈ HK$733K (deposit + AVD stamp duty HK$134,595 · 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).