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$13,635
−HK$855/mo
▼ 0.25% · 3.875%
HK$14,059
−HK$431/mo
Today · 4.125%
HK$14,490
baseline
▲ 0.50% · 4.625%
HK$15,371
+HK$881/mo
Deposit HK$2.99M · loan HK$2.99M · min. income ≈ HK$28,980/mo (50% DSR)
Upfront cash ≈ HK$3.12M (deposit + AVD stamp duty HK$134,539 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,169
−HK$819/mo
▼ 0.25% · 3.875%
HK$15,575
−HK$413/mo
Today · 4.125%
HK$15,988
baseline
▲ 0.50% · 4.625%
HK$16,831
+HK$843/mo
Deposit HK$2.99M · loan HK$2.99M · min. income ≈ HK$31,976/mo (50% DSR)
Upfront cash ≈ HK$3.12M (deposit + AVD stamp duty HK$134,539 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,362
−HK$1,026/mo
▼ 0.25% · 3.875%
HK$16,871
−HK$517/mo
Today · 4.125%
HK$17,388
baseline
▲ 0.50% · 4.625%
HK$18,446
+HK$1,058/mo
Deposit HK$2.39M · loan HK$3.59M · min. income ≈ HK$34,776/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$134,539 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,202
−HK$984/mo
▼ 0.25% · 3.875%
HK$18,690
−HK$496/mo
Today · 4.125%
HK$19,186
baseline
▲ 0.50% · 4.625%
HK$20,197
+HK$1,011/mo
Deposit HK$2.39M · loan HK$3.59M · min. income ≈ HK$38,372/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$134,539 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,089
−HK$1,197/mo
▼ 0.25% · 3.875%
HK$19,682
−HK$604/mo
Today · 4.125%
HK$20,286
baseline
▲ 0.50% · 4.625%
HK$21,520
+HK$1,234/mo
Deposit HK$1.79M · loan HK$4.19M · min. income ≈ HK$40,572/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$134,539 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,236
−HK$1,147/mo
▼ 0.25% · 3.875%
HK$21,806
−HK$577/mo
Today · 4.125%
HK$22,383
baseline
▲ 0.50% · 4.625%
HK$23,563
+HK$1,180/mo
Deposit HK$1.79M · loan HK$4.19M · min. income ≈ HK$44,766/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$134,539 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,543
−HK$1,539/mo
▼ 0.25% · 3.875%
HK$25,306
−HK$776/mo
Today · 4.125%
HK$26,082
baseline
▲ 0.50% · 4.625%
HK$27,669
+HK$1,587/mo
Deposit HK$598K · loan HK$5.38M · min. income ≈ HK$52,164/mo (50% DSR)
Upfront cash ≈ HK$732K (deposit + AVD stamp duty HK$134,539 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,303
−HK$1,476/mo
▼ 0.25% · 3.875%
HK$28,036
−HK$743/mo
Today · 4.125%
HK$28,779
baseline
▲ 0.50% · 4.625%
HK$30,296
+HK$1,517/mo
Deposit HK$598K · loan HK$5.38M · min. income ≈ HK$57,558/mo (50% DSR)
Upfront cash ≈ HK$732K (deposit + AVD stamp duty HK$134,539 · 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).