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$13,777
−HK$863/mo
▼ 0.25% · 3.875%
HK$14,205
−HK$435/mo
Today · 4.125%
HK$14,640
baseline
▲ 0.50% · 4.625%
HK$15,531
+HK$891/mo
Deposit HK$3.02M · loan HK$3.02M · min. income ≈ HK$29,280/mo (50% DSR)
Upfront cash ≈ HK$3.16M (deposit + AVD stamp duty HK$139,168 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,326
−HK$828/mo
▼ 0.25% · 3.875%
HK$15,737
−HK$417/mo
Today · 4.125%
HK$16,154
baseline
▲ 0.50% · 4.625%
HK$17,006
+HK$852/mo
Deposit HK$3.02M · loan HK$3.02M · min. income ≈ HK$32,308/mo (50% DSR)
Upfront cash ≈ HK$3.16M (deposit + AVD stamp duty HK$139,168 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,532
−HK$1,037/mo
▼ 0.25% · 3.875%
HK$17,046
−HK$523/mo
Today · 4.125%
HK$17,569
baseline
▲ 0.50% · 4.625%
HK$18,638
+HK$1,069/mo
Deposit HK$2.42M · loan HK$3.63M · min. income ≈ HK$35,138/mo (50% DSR)
Upfront cash ≈ HK$2.56M (deposit + AVD stamp duty HK$139,168 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,392
−HK$993/mo
▼ 0.25% · 3.875%
HK$18,885
−HK$500/mo
Today · 4.125%
HK$19,385
baseline
▲ 0.50% · 4.625%
HK$20,407
+HK$1,022/mo
Deposit HK$2.42M · loan HK$3.63M · min. income ≈ HK$38,770/mo (50% DSR)
Upfront cash ≈ HK$2.56M (deposit + AVD stamp duty HK$139,168 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,287
−HK$1,210/mo
▼ 0.25% · 3.875%
HK$19,887
−HK$610/mo
Today · 4.125%
HK$20,497
baseline
▲ 0.50% · 4.625%
HK$21,744
+HK$1,247/mo
Deposit HK$1.81M · loan HK$4.23M · min. income ≈ HK$40,994/mo (50% DSR)
Upfront cash ≈ HK$1.95M (deposit + AVD stamp duty HK$139,168 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,457
−HK$1,159/mo
▼ 0.25% · 3.875%
HK$22,032
−HK$584/mo
Today · 4.125%
HK$22,616
baseline
▲ 0.50% · 4.625%
HK$23,808
+HK$1,192/mo
Deposit HK$1.81M · loan HK$4.23M · min. income ≈ HK$45,232/mo (50% DSR)
Upfront cash ≈ HK$1.95M (deposit + AVD stamp duty HK$139,168 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,798
−HK$1,555/mo
▼ 0.25% · 3.875%
HK$25,569
−HK$784/mo
Today · 4.125%
HK$26,353
baseline
▲ 0.50% · 4.625%
HK$27,956
+HK$1,603/mo
Deposit HK$604K · loan HK$5.44M · min. income ≈ HK$52,706/mo (50% DSR)
Upfront cash ≈ HK$743K (deposit + AVD stamp duty HK$139,168 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,587
−HK$1,491/mo
▼ 0.25% · 3.875%
HK$28,327
−HK$751/mo
Today · 4.125%
HK$29,078
baseline
▲ 0.50% · 4.625%
HK$30,611
+HK$1,533/mo
Deposit HK$604K · loan HK$5.44M · min. income ≈ HK$58,156/mo (50% DSR)
Upfront cash ≈ HK$743K (deposit + AVD stamp duty HK$139,168 · 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).