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$13,804
−HK$865/mo
▼ 0.25% · 3.875%
HK$14,233
−HK$436/mo
Today · 4.125%
HK$14,669
baseline
▲ 0.50% · 4.625%
HK$15,562
+HK$893/mo
Deposit HK$3.03M · loan HK$3.03M · min. income ≈ HK$29,338/mo (50% DSR)
Upfront cash ≈ HK$3.17M (deposit + AVD stamp duty HK$140,361 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,357
−HK$829/mo
▼ 0.25% · 3.875%
HK$15,768
−HK$418/mo
Today · 4.125%
HK$16,186
baseline
▲ 0.50% · 4.625%
HK$17,039
+HK$853/mo
Deposit HK$3.03M · loan HK$3.03M · min. income ≈ HK$32,372/mo (50% DSR)
Upfront cash ≈ HK$3.17M (deposit + AVD stamp duty HK$140,361 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,565
−HK$1,038/mo
▼ 0.25% · 3.875%
HK$17,080
−HK$523/mo
Today · 4.125%
HK$17,603
baseline
▲ 0.50% · 4.625%
HK$18,674
+HK$1,071/mo
Deposit HK$2.42M · loan HK$3.63M · min. income ≈ HK$35,206/mo (50% DSR)
Upfront cash ≈ HK$2.56M (deposit + AVD stamp duty HK$140,361 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,428
−HK$995/mo
▼ 0.25% · 3.875%
HK$18,922
−HK$501/mo
Today · 4.125%
HK$19,423
baseline
▲ 0.50% · 4.625%
HK$20,447
+HK$1,024/mo
Deposit HK$2.42M · loan HK$3.63M · min. income ≈ HK$38,846/mo (50% DSR)
Upfront cash ≈ HK$2.56M (deposit + AVD stamp duty HK$140,361 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,325
−HK$1,212/mo
▼ 0.25% · 3.875%
HK$19,926
−HK$611/mo
Today · 4.125%
HK$20,537
baseline
▲ 0.50% · 4.625%
HK$21,787
+HK$1,250/mo
Deposit HK$1.82M · loan HK$4.24M · min. income ≈ HK$41,074/mo (50% DSR)
Upfront cash ≈ HK$1.96M (deposit + AVD stamp duty HK$140,361 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,499
−HK$1,162/mo
▼ 0.25% · 3.875%
HK$22,076
−HK$585/mo
Today · 4.125%
HK$22,661
baseline
▲ 0.50% · 4.625%
HK$23,855
+HK$1,194/mo
Deposit HK$1.82M · loan HK$4.24M · min. income ≈ HK$45,322/mo (50% DSR)
Upfront cash ≈ HK$1.96M (deposit + AVD stamp duty HK$140,361 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,847
−HK$1,558/mo
▼ 0.25% · 3.875%
HK$25,620
−HK$785/mo
Today · 4.125%
HK$26,405
baseline
▲ 0.50% · 4.625%
HK$28,012
+HK$1,607/mo
Deposit HK$605K · loan HK$5.45M · min. income ≈ HK$52,810/mo (50% DSR)
Upfront cash ≈ HK$746K (deposit + AVD stamp duty HK$140,361 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,642
−HK$1,493/mo
▼ 0.25% · 3.875%
HK$28,383
−HK$752/mo
Today · 4.125%
HK$29,135
baseline
▲ 0.50% · 4.625%
HK$30,671
+HK$1,536/mo
Deposit HK$605K · loan HK$5.45M · min. income ≈ HK$58,270/mo (50% DSR)
Upfront cash ≈ HK$746K (deposit + AVD stamp duty HK$140,361 · 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).