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$13,787
−HK$865/mo
▼ 0.25% · 3.875%
HK$14,216
−HK$436/mo
Today · 4.125%
HK$14,652
baseline
▲ 0.50% · 4.625%
HK$15,543
+HK$891/mo
Deposit HK$3.02M · loan HK$3.02M · min. income ≈ HK$29,304/mo (50% DSR)
Upfront cash ≈ HK$3.16M (deposit + AVD stamp duty HK$139,624 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,338
−HK$829/mo
▼ 0.25% · 3.875%
HK$15,749
−HK$418/mo
Today · 4.125%
HK$16,167
baseline
▲ 0.50% · 4.625%
HK$17,019
+HK$852/mo
Deposit HK$3.02M · loan HK$3.02M · min. income ≈ HK$32,334/mo (50% DSR)
Upfront cash ≈ HK$3.16M (deposit + AVD stamp duty HK$139,624 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,544
−HK$1,038/mo
▼ 0.25% · 3.875%
HK$17,059
−HK$523/mo
Today · 4.125%
HK$17,582
baseline
▲ 0.50% · 4.625%
HK$18,652
+HK$1,070/mo
Deposit HK$2.42M · loan HK$3.63M · min. income ≈ HK$35,164/mo (50% DSR)
Upfront cash ≈ HK$2.56M (deposit + AVD stamp duty HK$139,624 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,405
−HK$995/mo
▼ 0.25% · 3.875%
HK$18,899
−HK$501/mo
Today · 4.125%
HK$19,400
baseline
▲ 0.50% · 4.625%
HK$20,422
+HK$1,022/mo
Deposit HK$2.42M · loan HK$3.63M · min. income ≈ HK$38,800/mo (50% DSR)
Upfront cash ≈ HK$2.56M (deposit + AVD stamp duty HK$139,624 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,302
−HK$1,210/mo
▼ 0.25% · 3.875%
HK$19,902
−HK$610/mo
Today · 4.125%
HK$20,512
baseline
▲ 0.50% · 4.625%
HK$21,760
+HK$1,248/mo
Deposit HK$1.81M · loan HK$4.23M · min. income ≈ HK$41,024/mo (50% DSR)
Upfront cash ≈ HK$1.95M (deposit + AVD stamp duty HK$139,624 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,473
−HK$1,160/mo
▼ 0.25% · 3.875%
HK$22,049
−HK$584/mo
Today · 4.125%
HK$22,633
baseline
▲ 0.50% · 4.625%
HK$23,826
+HK$1,193/mo
Deposit HK$1.81M · loan HK$4.23M · min. income ≈ HK$45,266/mo (50% DSR)
Upfront cash ≈ HK$1.95M (deposit + AVD stamp duty HK$139,624 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,817
−HK$1,556/mo
▼ 0.25% · 3.875%
HK$25,588
−HK$785/mo
Today · 4.125%
HK$26,373
baseline
▲ 0.50% · 4.625%
HK$27,977
+HK$1,604/mo
Deposit HK$605K · loan HK$5.44M · min. income ≈ HK$52,746/mo (50% DSR)
Upfront cash ≈ HK$744K (deposit + AVD stamp duty HK$139,624 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,608
−HK$1,492/mo
▼ 0.25% · 3.875%
HK$28,349
−HK$751/mo
Today · 4.125%
HK$29,100
baseline
▲ 0.50% · 4.625%
HK$30,634
+HK$1,534/mo
Deposit HK$605K · loan HK$5.44M · min. income ≈ HK$58,200/mo (50% DSR)
Upfront cash ≈ HK$744K (deposit + AVD stamp duty HK$139,624 · 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).