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$13,625
−HK$854/mo
▼ 0.25% · 3.875%
HK$14,048
−HK$431/mo
Today · 4.125%
HK$14,479
baseline
▲ 0.50% · 4.625%
HK$15,360
+HK$881/mo
Deposit HK$2.99M · loan HK$2.99M · min. income ≈ HK$28,958/mo (50% DSR)
Upfront cash ≈ HK$3.12M (deposit + AVD stamp duty HK$134,439 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,157
−HK$819/mo
▼ 0.25% · 3.875%
HK$15,564
−HK$412/mo
Today · 4.125%
HK$15,976
baseline
▲ 0.50% · 4.625%
HK$16,818
+HK$842/mo
Deposit HK$2.99M · loan HK$2.99M · min. income ≈ HK$31,952/mo (50% DSR)
Upfront cash ≈ HK$3.12M (deposit + AVD stamp duty HK$134,439 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,350
−HK$1,025/mo
▼ 0.25% · 3.875%
HK$16,858
−HK$517/mo
Today · 4.125%
HK$17,375
baseline
▲ 0.50% · 4.625%
HK$18,432
+HK$1,057/mo
Deposit HK$2.39M · loan HK$3.59M · min. income ≈ HK$34,750/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$134,439 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,189
−HK$982/mo
▼ 0.25% · 3.875%
HK$18,677
−HK$494/mo
Today · 4.125%
HK$19,171
baseline
▲ 0.50% · 4.625%
HK$20,182
+HK$1,011/mo
Deposit HK$2.39M · loan HK$3.59M · min. income ≈ HK$38,342/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$134,439 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,075
−HK$1,196/mo
▼ 0.25% · 3.875%
HK$19,668
−HK$603/mo
Today · 4.125%
HK$20,271
baseline
▲ 0.50% · 4.625%
HK$21,504
+HK$1,233/mo
Deposit HK$1.79M · loan HK$4.18M · min. income ≈ HK$40,542/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$134,439 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,220
−HK$1,147/mo
▼ 0.25% · 3.875%
HK$21,789
−HK$578/mo
Today · 4.125%
HK$22,367
baseline
▲ 0.50% · 4.625%
HK$23,546
+HK$1,179/mo
Deposit HK$1.79M · loan HK$4.18M · min. income ≈ HK$44,734/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$134,439 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,524
−HK$1,538/mo
▼ 0.25% · 3.875%
HK$25,287
−HK$775/mo
Today · 4.125%
HK$26,062
baseline
▲ 0.50% · 4.625%
HK$27,648
+HK$1,586/mo
Deposit HK$598K · loan HK$5.38M · min. income ≈ HK$52,124/mo (50% DSR)
Upfront cash ≈ HK$732K (deposit + AVD stamp duty HK$134,439 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,283
−HK$1,474/mo
▼ 0.25% · 3.875%
HK$28,015
−HK$742/mo
Today · 4.125%
HK$28,757
baseline
▲ 0.50% · 4.625%
HK$30,273
+HK$1,516/mo
Deposit HK$598K · loan HK$5.38M · min. income ≈ HK$57,514/mo (50% DSR)
Upfront cash ≈ HK$732K (deposit + AVD stamp duty HK$134,439 · 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).