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$13,819
−HK$866/mo
▼ 0.25% · 3.875%
HK$14,248
−HK$437/mo
Today · 4.125%
HK$14,685
baseline
▲ 0.50% · 4.625%
HK$15,579
+HK$894/mo
Deposit HK$3.03M · loan HK$3.03M · min. income ≈ HK$29,370/mo (50% DSR)
Upfront cash ≈ HK$3.17M (deposit + AVD stamp duty HK$141,008 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,373
−HK$831/mo
▼ 0.25% · 3.875%
HK$15,785
−HK$419/mo
Today · 4.125%
HK$16,204
baseline
▲ 0.50% · 4.625%
HK$17,058
+HK$854/mo
Deposit HK$3.03M · loan HK$3.03M · min. income ≈ HK$32,408/mo (50% DSR)
Upfront cash ≈ HK$3.17M (deposit + AVD stamp duty HK$141,008 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,582
−HK$1,040/mo
▼ 0.25% · 3.875%
HK$17,098
−HK$524/mo
Today · 4.125%
HK$17,622
baseline
▲ 0.50% · 4.625%
HK$18,694
+HK$1,072/mo
Deposit HK$2.42M · loan HK$3.64M · min. income ≈ HK$35,244/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$141,008 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,448
−HK$996/mo
▼ 0.25% · 3.875%
HK$18,942
−HK$502/mo
Today · 4.125%
HK$19,444
baseline
▲ 0.50% · 4.625%
HK$20,469
+HK$1,025/mo
Deposit HK$2.42M · loan HK$3.64M · min. income ≈ HK$38,888/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$141,008 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,346
−HK$1,213/mo
▼ 0.25% · 3.875%
HK$19,948
−HK$611/mo
Today · 4.125%
HK$20,559
baseline
▲ 0.50% · 4.625%
HK$21,810
+HK$1,251/mo
Deposit HK$1.82M · loan HK$4.24M · min. income ≈ HK$41,118/mo (50% DSR)
Upfront cash ≈ HK$1.96M (deposit + AVD stamp duty HK$141,008 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,522
−HK$1,163/mo
▼ 0.25% · 3.875%
HK$22,099
−HK$586/mo
Today · 4.125%
HK$22,685
baseline
▲ 0.50% · 4.625%
HK$23,881
+HK$1,196/mo
Deposit HK$1.82M · loan HK$4.24M · min. income ≈ HK$45,370/mo (50% DSR)
Upfront cash ≈ HK$1.96M (deposit + AVD stamp duty HK$141,008 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,873
−HK$1,560/mo
▼ 0.25% · 3.875%
HK$25,647
−HK$786/mo
Today · 4.125%
HK$26,433
baseline
▲ 0.50% · 4.625%
HK$28,042
+HK$1,609/mo
Deposit HK$606K · loan HK$5.45M · min. income ≈ HK$52,866/mo (50% DSR)
Upfront cash ≈ HK$747K (deposit + AVD stamp duty HK$141,008 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,671
−HK$1,495/mo
▼ 0.25% · 3.875%
HK$28,413
−HK$753/mo
Today · 4.125%
HK$29,166
baseline
▲ 0.50% · 4.625%
HK$30,704
+HK$1,538/mo
Deposit HK$606K · loan HK$5.45M · min. income ≈ HK$58,332/mo (50% DSR)
Upfront cash ≈ HK$747K (deposit + AVD stamp duty HK$141,008 · 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).