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$13,816
−HK$866/mo
▼ 0.25% · 3.875%
HK$14,245
−HK$437/mo
Today · 4.125%
HK$14,682
baseline
▲ 0.50% · 4.625%
HK$15,575
+HK$893/mo
Deposit HK$3.03M · loan HK$3.03M · min. income ≈ HK$29,364/mo (50% DSR)
Upfront cash ≈ HK$3.17M (deposit + AVD stamp duty HK$140,879 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,370
−HK$830/mo
▼ 0.25% · 3.875%
HK$15,782
−HK$418/mo
Today · 4.125%
HK$16,200
baseline
▲ 0.50% · 4.625%
HK$17,054
+HK$854/mo
Deposit HK$3.03M · loan HK$3.03M · min. income ≈ HK$32,400/mo (50% DSR)
Upfront cash ≈ HK$3.17M (deposit + AVD stamp duty HK$140,879 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,579
−HK$1,039/mo
▼ 0.25% · 3.875%
HK$17,094
−HK$524/mo
Today · 4.125%
HK$17,618
baseline
▲ 0.50% · 4.625%
HK$18,690
+HK$1,072/mo
Deposit HK$2.42M · loan HK$3.64M · min. income ≈ HK$35,236/mo (50% DSR)
Upfront cash ≈ HK$2.56M (deposit + AVD stamp duty HK$140,879 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,444
−HK$996/mo
▼ 0.25% · 3.875%
HK$18,938
−HK$502/mo
Today · 4.125%
HK$19,440
baseline
▲ 0.50% · 4.625%
HK$20,465
+HK$1,025/mo
Deposit HK$2.42M · loan HK$3.64M · min. income ≈ HK$38,880/mo (50% DSR)
Upfront cash ≈ HK$2.56M (deposit + AVD stamp duty HK$140,879 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,342
−HK$1,213/mo
▼ 0.25% · 3.875%
HK$19,943
−HK$612/mo
Today · 4.125%
HK$20,555
baseline
▲ 0.50% · 4.625%
HK$21,805
+HK$1,250/mo
Deposit HK$1.82M · loan HK$4.24M · min. income ≈ HK$41,110/mo (50% DSR)
Upfront cash ≈ HK$1.96M (deposit + AVD stamp duty HK$140,879 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,518
−HK$1,162/mo
▼ 0.25% · 3.875%
HK$22,095
−HK$585/mo
Today · 4.125%
HK$22,680
baseline
▲ 0.50% · 4.625%
HK$23,876
+HK$1,196/mo
Deposit HK$1.82M · loan HK$4.24M · min. income ≈ HK$45,360/mo (50% DSR)
Upfront cash ≈ HK$1.96M (deposit + AVD stamp duty HK$140,879 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,868
−HK$1,560/mo
▼ 0.25% · 3.875%
HK$25,642
−HK$786/mo
Today · 4.125%
HK$26,428
baseline
▲ 0.50% · 4.625%
HK$28,036
+HK$1,608/mo
Deposit HK$606K · loan HK$5.45M · min. income ≈ HK$52,856/mo (50% DSR)
Upfront cash ≈ HK$747K (deposit + AVD stamp duty HK$140,879 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,665
−HK$1,495/mo
▼ 0.25% · 3.875%
HK$28,407
−HK$753/mo
Today · 4.125%
HK$29,160
baseline
▲ 0.50% · 4.625%
HK$30,697
+HK$1,537/mo
Deposit HK$606K · loan HK$5.45M · min. income ≈ HK$58,320/mo (50% DSR)
Upfront cash ≈ HK$747K (deposit + AVD stamp duty HK$140,879 · 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).