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$13,814
−HK$866/mo
▼ 0.25% · 3.875%
HK$14,243
−HK$437/mo
Today · 4.125%
HK$14,680
baseline
▲ 0.50% · 4.625%
HK$15,573
+HK$893/mo
Deposit HK$3.03M · loan HK$3.03M · min. income ≈ HK$29,360/mo (50% DSR)
Upfront cash ≈ HK$3.17M (deposit + AVD stamp duty HK$140,792 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,367
−HK$831/mo
▼ 0.25% · 3.875%
HK$15,780
−HK$418/mo
Today · 4.125%
HK$16,198
baseline
▲ 0.50% · 4.625%
HK$17,052
+HK$854/mo
Deposit HK$3.03M · loan HK$3.03M · min. income ≈ HK$32,396/mo (50% DSR)
Upfront cash ≈ HK$3.17M (deposit + AVD stamp duty HK$140,792 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,576
−HK$1,040/mo
▼ 0.25% · 3.875%
HK$17,092
−HK$524/mo
Today · 4.125%
HK$17,616
baseline
▲ 0.50% · 4.625%
HK$18,688
+HK$1,072/mo
Deposit HK$2.42M · loan HK$3.63M · min. income ≈ HK$35,232/mo (50% DSR)
Upfront cash ≈ HK$2.56M (deposit + AVD stamp duty HK$140,792 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,441
−HK$996/mo
▼ 0.25% · 3.875%
HK$18,936
−HK$501/mo
Today · 4.125%
HK$19,437
baseline
▲ 0.50% · 4.625%
HK$20,462
+HK$1,025/mo
Deposit HK$2.42M · loan HK$3.63M · min. income ≈ HK$38,874/mo (50% DSR)
Upfront cash ≈ HK$2.56M (deposit + AVD stamp duty HK$140,792 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,339
−HK$1,213/mo
▼ 0.25% · 3.875%
HK$19,941
−HK$611/mo
Today · 4.125%
HK$20,552
baseline
▲ 0.50% · 4.625%
HK$21,802
+HK$1,250/mo
Deposit HK$1.82M · loan HK$4.24M · min. income ≈ HK$41,104/mo (50% DSR)
Upfront cash ≈ HK$1.96M (deposit + AVD stamp duty HK$140,792 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,514
−HK$1,163/mo
▼ 0.25% · 3.875%
HK$22,091
−HK$586/mo
Today · 4.125%
HK$22,677
baseline
▲ 0.50% · 4.625%
HK$23,872
+HK$1,195/mo
Deposit HK$1.82M · loan HK$4.24M · min. income ≈ HK$45,354/mo (50% DSR)
Upfront cash ≈ HK$1.96M (deposit + AVD stamp duty HK$140,792 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,864
−HK$1,560/mo
▼ 0.25% · 3.875%
HK$25,638
−HK$786/mo
Today · 4.125%
HK$26,424
baseline
▲ 0.50% · 4.625%
HK$28,032
+HK$1,608/mo
Deposit HK$606K · loan HK$5.45M · min. income ≈ HK$52,848/mo (50% DSR)
Upfront cash ≈ HK$747K (deposit + AVD stamp duty HK$140,792 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,661
−HK$1,495/mo
▼ 0.25% · 3.875%
HK$28,403
−HK$753/mo
Today · 4.125%
HK$29,156
baseline
▲ 0.50% · 4.625%
HK$30,693
+HK$1,537/mo
Deposit HK$606K · loan HK$5.45M · min. income ≈ HK$58,312/mo (50% DSR)
Upfront cash ≈ HK$747K (deposit + AVD stamp duty HK$140,792 · 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).