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$13,792
−HK$865/mo
▼ 0.25% · 3.875%
HK$14,221
−HK$436/mo
Today · 4.125%
HK$14,657
baseline
▲ 0.50% · 4.625%
HK$15,549
+HK$892/mo
Deposit HK$3.02M · loan HK$3.02M · min. income ≈ HK$29,314/mo (50% DSR)
Upfront cash ≈ HK$3.16M (deposit + AVD stamp duty HK$139,860 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,344
−HK$829/mo
▼ 0.25% · 3.875%
HK$15,755
−HK$418/mo
Today · 4.125%
HK$16,173
baseline
▲ 0.50% · 4.625%
HK$17,025
+HK$852/mo
Deposit HK$3.02M · loan HK$3.02M · min. income ≈ HK$32,346/mo (50% DSR)
Upfront cash ≈ HK$3.16M (deposit + AVD stamp duty HK$139,860 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,551
−HK$1,038/mo
▼ 0.25% · 3.875%
HK$17,066
−HK$523/mo
Today · 4.125%
HK$17,589
baseline
▲ 0.50% · 4.625%
HK$18,659
+HK$1,070/mo
Deposit HK$2.42M · loan HK$3.63M · min. income ≈ HK$35,178/mo (50% DSR)
Upfront cash ≈ HK$2.56M (deposit + AVD stamp duty HK$139,860 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,413
−HK$994/mo
▼ 0.25% · 3.875%
HK$18,906
−HK$501/mo
Today · 4.125%
HK$19,407
baseline
▲ 0.50% · 4.625%
HK$20,430
+HK$1,023/mo
Deposit HK$2.42M · loan HK$3.63M · min. income ≈ HK$38,814/mo (50% DSR)
Upfront cash ≈ HK$2.56M (deposit + AVD stamp duty HK$139,860 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,309
−HK$1,211/mo
▼ 0.25% · 3.875%
HK$19,910
−HK$610/mo
Today · 4.125%
HK$20,520
baseline
▲ 0.50% · 4.625%
HK$21,769
+HK$1,249/mo
Deposit HK$1.81M · loan HK$4.23M · min. income ≈ HK$41,040/mo (50% DSR)
Upfront cash ≈ HK$1.95M (deposit + AVD stamp duty HK$139,860 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,481
−HK$1,161/mo
▼ 0.25% · 3.875%
HK$22,058
−HK$584/mo
Today · 4.125%
HK$22,642
baseline
▲ 0.50% · 4.625%
HK$23,835
+HK$1,193/mo
Deposit HK$1.81M · loan HK$4.23M · min. income ≈ HK$45,284/mo (50% DSR)
Upfront cash ≈ HK$1.95M (deposit + AVD stamp duty HK$139,860 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,826
−HK$1,557/mo
▼ 0.25% · 3.875%
HK$25,598
−HK$785/mo
Today · 4.125%
HK$26,383
baseline
▲ 0.50% · 4.625%
HK$27,988
+HK$1,605/mo
Deposit HK$605K · loan HK$5.44M · min. income ≈ HK$52,766/mo (50% DSR)
Upfront cash ≈ HK$745K (deposit + AVD stamp duty HK$139,860 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,619
−HK$1,492/mo
▼ 0.25% · 3.875%
HK$28,360
−HK$751/mo
Today · 4.125%
HK$29,111
baseline
▲ 0.50% · 4.625%
HK$30,646
+HK$1,535/mo
Deposit HK$605K · loan HK$5.44M · min. income ≈ HK$58,222/mo (50% DSR)
Upfront cash ≈ HK$745K (deposit + AVD stamp duty HK$139,860 · 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).