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$13,637
−HK$856/mo
▼ 0.25% · 3.875%
HK$14,062
−HK$431/mo
Today · 4.125%
HK$14,493
baseline
▲ 0.50% · 4.625%
HK$15,374
+HK$881/mo
Deposit HK$2.99M · loan HK$2.99M · min. income ≈ HK$28,986/mo (50% DSR)
Upfront cash ≈ HK$3.12M (deposit + AVD stamp duty HK$134,565 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,171
−HK$820/mo
▼ 0.25% · 3.875%
HK$15,578
−HK$413/mo
Today · 4.125%
HK$15,991
baseline
▲ 0.50% · 4.625%
HK$16,834
+HK$843/mo
Deposit HK$2.99M · loan HK$2.99M · min. income ≈ HK$31,982/mo (50% DSR)
Upfront cash ≈ HK$3.12M (deposit + AVD stamp duty HK$134,565 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,365
−HK$1,026/mo
▼ 0.25% · 3.875%
HK$16,874
−HK$517/mo
Today · 4.125%
HK$17,391
baseline
▲ 0.50% · 4.625%
HK$18,449
+HK$1,058/mo
Deposit HK$2.39M · loan HK$3.59M · min. income ≈ HK$34,782/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$134,565 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,206
−HK$983/mo
▼ 0.25% · 3.875%
HK$18,694
−HK$495/mo
Today · 4.125%
HK$19,189
baseline
▲ 0.50% · 4.625%
HK$20,201
+HK$1,012/mo
Deposit HK$2.39M · loan HK$3.59M · min. income ≈ HK$38,378/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$134,565 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,092
−HK$1,198/mo
▼ 0.25% · 3.875%
HK$19,686
−HK$604/mo
Today · 4.125%
HK$20,290
baseline
▲ 0.50% · 4.625%
HK$21,524
+HK$1,234/mo
Deposit HK$1.79M · loan HK$4.19M · min. income ≈ HK$40,580/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$134,565 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,240
−HK$1,148/mo
▼ 0.25% · 3.875%
HK$21,810
−HK$578/mo
Today · 4.125%
HK$22,388
baseline
▲ 0.50% · 4.625%
HK$23,568
+HK$1,180/mo
Deposit HK$1.79M · loan HK$4.19M · min. income ≈ HK$44,776/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$134,565 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,547
−HK$1,540/mo
▼ 0.25% · 3.875%
HK$25,311
−HK$776/mo
Today · 4.125%
HK$26,087
baseline
▲ 0.50% · 4.625%
HK$27,674
+HK$1,587/mo
Deposit HK$598K · loan HK$5.38M · min. income ≈ HK$52,174/mo (50% DSR)
Upfront cash ≈ HK$733K (deposit + AVD stamp duty HK$134,565 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,309
−HK$1,475/mo
▼ 0.25% · 3.875%
HK$28,041
−HK$743/mo
Today · 4.125%
HK$28,784
baseline
▲ 0.50% · 4.625%
HK$30,301
+HK$1,517/mo
Deposit HK$598K · loan HK$5.38M · min. income ≈ HK$57,568/mo (50% DSR)
Upfront cash ≈ HK$733K (deposit + AVD stamp duty HK$134,565 · 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).