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$13,765
−HK$864/mo
▼ 0.25% · 3.875%
HK$14,194
−HK$435/mo
Today · 4.125%
HK$14,629
baseline
▲ 0.50% · 4.625%
HK$15,519
+HK$890/mo
Deposit HK$3.02M · loan HK$3.02M · min. income ≈ HK$29,258/mo (50% DSR)
Upfront cash ≈ HK$3.16M (deposit + AVD stamp duty HK$138,679 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,314
−HK$827/mo
▼ 0.25% · 3.875%
HK$15,725
−HK$416/mo
Today · 4.125%
HK$16,141
baseline
▲ 0.50% · 4.625%
HK$16,992
+HK$851/mo
Deposit HK$3.02M · loan HK$3.02M · min. income ≈ HK$32,282/mo (50% DSR)
Upfront cash ≈ HK$3.16M (deposit + AVD stamp duty HK$138,679 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,519
−HK$1,035/mo
▼ 0.25% · 3.875%
HK$17,032
−HK$522/mo
Today · 4.125%
HK$17,554
baseline
▲ 0.50% · 4.625%
HK$18,623
+HK$1,069/mo
Deposit HK$2.41M · loan HK$3.62M · min. income ≈ HK$35,108/mo (50% DSR)
Upfront cash ≈ HK$2.55M (deposit + AVD stamp duty HK$138,679 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,377
−HK$993/mo
▼ 0.25% · 3.875%
HK$18,870
−HK$500/mo
Today · 4.125%
HK$19,370
baseline
▲ 0.50% · 4.625%
HK$20,391
+HK$1,021/mo
Deposit HK$2.41M · loan HK$3.62M · min. income ≈ HK$38,740/mo (50% DSR)
Upfront cash ≈ HK$2.55M (deposit + AVD stamp duty HK$138,679 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,272
−HK$1,208/mo
▼ 0.25% · 3.875%
HK$19,871
−HK$609/mo
Today · 4.125%
HK$20,480
baseline
▲ 0.50% · 4.625%
HK$21,726
+HK$1,246/mo
Deposit HK$1.81M · loan HK$4.23M · min. income ≈ HK$40,960/mo (50% DSR)
Upfront cash ≈ HK$1.95M (deposit + AVD stamp duty HK$138,679 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,439
−HK$1,159/mo
▼ 0.25% · 3.875%
HK$22,014
−HK$584/mo
Today · 4.125%
HK$22,598
baseline
▲ 0.50% · 4.625%
HK$23,789
+HK$1,191/mo
Deposit HK$1.81M · loan HK$4.23M · min. income ≈ HK$45,196/mo (50% DSR)
Upfront cash ≈ HK$1.95M (deposit + AVD stamp duty HK$138,679 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,778
−HK$1,554/mo
▼ 0.25% · 3.875%
HK$25,548
−HK$784/mo
Today · 4.125%
HK$26,332
baseline
▲ 0.50% · 4.625%
HK$27,934
+HK$1,602/mo
Deposit HK$604K · loan HK$5.43M · min. income ≈ HK$52,664/mo (50% DSR)
Upfront cash ≈ HK$742K (deposit + AVD stamp duty HK$138,679 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,565
−HK$1,489/mo
▼ 0.25% · 3.875%
HK$28,304
−HK$750/mo
Today · 4.125%
HK$29,054
baseline
▲ 0.50% · 4.625%
HK$30,586
+HK$1,532/mo
Deposit HK$604K · loan HK$5.43M · min. income ≈ HK$58,108/mo (50% DSR)
Upfront cash ≈ HK$742K (deposit + AVD stamp duty HK$138,679 · 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).