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$13,772
−HK$864/mo
▼ 0.25% · 3.875%
HK$14,200
−HK$436/mo
Today · 4.125%
HK$14,636
baseline
▲ 0.50% · 4.625%
HK$15,526
+HK$890/mo
Deposit HK$3.02M · loan HK$3.02M · min. income ≈ HK$29,272/mo (50% DSR)
Upfront cash ≈ HK$3.16M (deposit + AVD stamp duty HK$138,965 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,321
−HK$828/mo
▼ 0.25% · 3.875%
HK$15,732
−HK$417/mo
Today · 4.125%
HK$16,149
baseline
▲ 0.50% · 4.625%
HK$17,000
+HK$851/mo
Deposit HK$3.02M · loan HK$3.02M · min. income ≈ HK$32,298/mo (50% DSR)
Upfront cash ≈ HK$3.16M (deposit + AVD stamp duty HK$138,965 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,526
−HK$1,037/mo
▼ 0.25% · 3.875%
HK$17,040
−HK$523/mo
Today · 4.125%
HK$17,563
baseline
▲ 0.50% · 4.625%
HK$18,631
+HK$1,068/mo
Deposit HK$2.42M · loan HK$3.62M · min. income ≈ HK$35,126/mo (50% DSR)
Upfront cash ≈ HK$2.55M (deposit + AVD stamp duty HK$138,965 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,385
−HK$994/mo
▼ 0.25% · 3.875%
HK$18,878
−HK$501/mo
Today · 4.125%
HK$19,379
baseline
▲ 0.50% · 4.625%
HK$20,400
+HK$1,021/mo
Deposit HK$2.42M · loan HK$3.62M · min. income ≈ HK$38,758/mo (50% DSR)
Upfront cash ≈ HK$2.55M (deposit + AVD stamp duty HK$138,965 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,281
−HK$1,209/mo
▼ 0.25% · 3.875%
HK$19,880
−HK$610/mo
Today · 4.125%
HK$20,490
baseline
▲ 0.50% · 4.625%
HK$21,737
+HK$1,247/mo
Deposit HK$1.81M · loan HK$4.23M · min. income ≈ HK$40,980/mo (50% DSR)
Upfront cash ≈ HK$1.95M (deposit + AVD stamp duty HK$138,965 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,450
−HK$1,158/mo
▼ 0.25% · 3.875%
HK$22,025
−HK$583/mo
Today · 4.125%
HK$22,608
baseline
▲ 0.50% · 4.625%
HK$23,800
+HK$1,192/mo
Deposit HK$1.81M · loan HK$4.23M · min. income ≈ HK$45,216/mo (50% DSR)
Upfront cash ≈ HK$1.95M (deposit + AVD stamp duty HK$138,965 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,790
−HK$1,554/mo
▼ 0.25% · 3.875%
HK$25,561
−HK$783/mo
Today · 4.125%
HK$26,344
baseline
▲ 0.50% · 4.625%
HK$27,947
+HK$1,603/mo
Deposit HK$604K · loan HK$5.44M · min. income ≈ HK$52,688/mo (50% DSR)
Upfront cash ≈ HK$743K (deposit + AVD stamp duty HK$138,965 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,578
−HK$1,490/mo
▼ 0.25% · 3.875%
HK$28,318
−HK$750/mo
Today · 4.125%
HK$29,068
baseline
▲ 0.50% · 4.625%
HK$30,600
+HK$1,532/mo
Deposit HK$604K · loan HK$5.44M · min. income ≈ HK$58,136/mo (50% DSR)
Upfront cash ≈ HK$743K (deposit + AVD stamp duty HK$138,965 · 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).