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$13,644
−HK$856/mo
▼ 0.25% · 3.875%
HK$14,069
−HK$431/mo
Today · 4.125%
HK$14,500
baseline
▲ 0.50% · 4.625%
HK$15,382
+HK$882/mo
Deposit HK$2.99M · loan HK$2.99M · min. income ≈ HK$29,000/mo (50% DSR)
Upfront cash ≈ HK$3.13M (deposit + AVD stamp duty HK$134,633 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,179
−HK$820/mo
▼ 0.25% · 3.875%
HK$15,586
−HK$413/mo
Today · 4.125%
HK$15,999
baseline
▲ 0.50% · 4.625%
HK$16,843
+HK$844/mo
Deposit HK$2.99M · loan HK$2.99M · min. income ≈ HK$31,998/mo (50% DSR)
Upfront cash ≈ HK$3.13M (deposit + AVD stamp duty HK$134,633 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,373
−HK$1,027/mo
▼ 0.25% · 3.875%
HK$16,882
−HK$518/mo
Today · 4.125%
HK$17,400
baseline
▲ 0.50% · 4.625%
HK$18,459
+HK$1,059/mo
Deposit HK$2.39M · loan HK$3.59M · min. income ≈ HK$34,800/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$134,633 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,215
−HK$984/mo
▼ 0.25% · 3.875%
HK$18,704
−HK$495/mo
Today · 4.125%
HK$19,199
baseline
▲ 0.50% · 4.625%
HK$20,211
+HK$1,012/mo
Deposit HK$2.39M · loan HK$3.59M · min. income ≈ HK$38,398/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$134,633 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,102
−HK$1,198/mo
▼ 0.25% · 3.875%
HK$19,696
−HK$604/mo
Today · 4.125%
HK$20,300
baseline
▲ 0.50% · 4.625%
HK$21,535
+HK$1,235/mo
Deposit HK$1.80M · loan HK$4.19M · min. income ≈ HK$40,600/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$134,633 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,251
−HK$1,148/mo
▼ 0.25% · 3.875%
HK$21,821
−HK$578/mo
Today · 4.125%
HK$22,399
baseline
▲ 0.50% · 4.625%
HK$23,580
+HK$1,181/mo
Deposit HK$1.80M · loan HK$4.19M · min. income ≈ HK$44,798/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$134,633 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,560
−HK$1,540/mo
▼ 0.25% · 3.875%
HK$25,324
−HK$776/mo
Today · 4.125%
HK$26,100
baseline
▲ 0.50% · 4.625%
HK$27,688
+HK$1,588/mo
Deposit HK$598K · loan HK$5.39M · min. income ≈ HK$52,200/mo (50% DSR)
Upfront cash ≈ HK$733K (deposit + AVD stamp duty HK$134,633 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,323
−HK$1,476/mo
▼ 0.25% · 3.875%
HK$28,055
−HK$744/mo
Today · 4.125%
HK$28,799
baseline
▲ 0.50% · 4.625%
HK$30,317
+HK$1,518/mo
Deposit HK$598K · loan HK$5.39M · min. income ≈ HK$57,598/mo (50% DSR)
Upfront cash ≈ HK$733K (deposit + AVD stamp duty HK$134,633 · 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).