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$13,627
−HK$854/mo
▼ 0.25% · 3.875%
HK$14,051
−HK$430/mo
Today · 4.125%
HK$14,481
baseline
▲ 0.50% · 4.625%
HK$15,362
+HK$881/mo
Deposit HK$2.99M · loan HK$2.99M · min. income ≈ HK$28,962/mo (50% DSR)
Upfront cash ≈ HK$3.12M (deposit + AVD stamp duty HK$134,461 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,160
−HK$819/mo
▼ 0.25% · 3.875%
HK$15,566
−HK$413/mo
Today · 4.125%
HK$15,979
baseline
▲ 0.50% · 4.625%
HK$16,821
+HK$842/mo
Deposit HK$2.99M · loan HK$2.99M · min. income ≈ HK$31,958/mo (50% DSR)
Upfront cash ≈ HK$3.12M (deposit + AVD stamp duty HK$134,461 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,352
−HK$1,026/mo
▼ 0.25% · 3.875%
HK$16,861
−HK$517/mo
Today · 4.125%
HK$17,378
baseline
▲ 0.50% · 4.625%
HK$18,435
+HK$1,057/mo
Deposit HK$2.39M · loan HK$3.59M · min. income ≈ HK$34,756/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$134,461 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,192
−HK$982/mo
▼ 0.25% · 3.875%
HK$18,680
−HK$494/mo
Today · 4.125%
HK$19,174
baseline
▲ 0.50% · 4.625%
HK$20,185
+HK$1,011/mo
Deposit HK$2.39M · loan HK$3.59M · min. income ≈ HK$38,348/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$134,461 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,078
−HK$1,196/mo
▼ 0.25% · 3.875%
HK$19,671
−HK$603/mo
Today · 4.125%
HK$20,274
baseline
▲ 0.50% · 4.625%
HK$21,507
+HK$1,233/mo
Deposit HK$1.79M · loan HK$4.18M · min. income ≈ HK$40,548/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$134,461 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,224
−HK$1,146/mo
▼ 0.25% · 3.875%
HK$21,793
−HK$577/mo
Today · 4.125%
HK$22,370
baseline
▲ 0.50% · 4.625%
HK$23,549
+HK$1,179/mo
Deposit HK$1.79M · loan HK$4.18M · min. income ≈ HK$44,740/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$134,461 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,528
−HK$1,538/mo
▼ 0.25% · 3.875%
HK$25,291
−HK$775/mo
Today · 4.125%
HK$26,066
baseline
▲ 0.50% · 4.625%
HK$27,652
+HK$1,586/mo
Deposit HK$598K · loan HK$5.38M · min. income ≈ HK$52,132/mo (50% DSR)
Upfront cash ≈ HK$732K (deposit + AVD stamp duty HK$134,461 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,287
−HK$1,475/mo
▼ 0.25% · 3.875%
HK$28,019
−HK$743/mo
Today · 4.125%
HK$28,762
baseline
▲ 0.50% · 4.625%
HK$30,278
+HK$1,516/mo
Deposit HK$598K · loan HK$5.38M · min. income ≈ HK$57,524/mo (50% DSR)
Upfront cash ≈ HK$732K (deposit + AVD stamp duty HK$134,461 · 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).