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$13,754
−HK$862/mo
▼ 0.25% · 3.875%
HK$14,182
−HK$434/mo
Today · 4.125%
HK$14,616
baseline
▲ 0.50% · 4.625%
HK$15,506
+HK$890/mo
Deposit HK$3.02M · loan HK$3.02M · min. income ≈ HK$29,232/mo (50% DSR)
Upfront cash ≈ HK$3.15M (deposit + AVD stamp duty HK$138,173 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,301
−HK$827/mo
▼ 0.25% · 3.875%
HK$15,711
−HK$417/mo
Today · 4.125%
HK$16,128
baseline
▲ 0.50% · 4.625%
HK$16,978
+HK$850/mo
Deposit HK$3.02M · loan HK$3.02M · min. income ≈ HK$32,256/mo (50% DSR)
Upfront cash ≈ HK$3.15M (deposit + AVD stamp duty HK$138,173 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,505
−HK$1,035/mo
▼ 0.25% · 3.875%
HK$17,018
−HK$522/mo
Today · 4.125%
HK$17,540
baseline
▲ 0.50% · 4.625%
HK$18,607
+HK$1,067/mo
Deposit HK$2.41M · loan HK$3.62M · min. income ≈ HK$35,080/mo (50% DSR)
Upfront cash ≈ HK$2.55M (deposit + AVD stamp duty HK$138,173 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,361
−HK$992/mo
▼ 0.25% · 3.875%
HK$18,854
−HK$499/mo
Today · 4.125%
HK$19,353
baseline
▲ 0.50% · 4.625%
HK$20,373
+HK$1,020/mo
Deposit HK$2.41M · loan HK$3.62M · min. income ≈ HK$38,706/mo (50% DSR)
Upfront cash ≈ HK$2.55M (deposit + AVD stamp duty HK$138,173 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,255
−HK$1,208/mo
▼ 0.25% · 3.875%
HK$19,854
−HK$609/mo
Today · 4.125%
HK$20,463
baseline
▲ 0.50% · 4.625%
HK$21,708
+HK$1,245/mo
Deposit HK$1.81M · loan HK$4.22M · min. income ≈ HK$40,926/mo (50% DSR)
Upfront cash ≈ HK$1.95M (deposit + AVD stamp duty HK$138,173 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,421
−HK$1,158/mo
▼ 0.25% · 3.875%
HK$21,996
−HK$583/mo
Today · 4.125%
HK$22,579
baseline
▲ 0.50% · 4.625%
HK$23,769
+HK$1,190/mo
Deposit HK$1.81M · loan HK$4.22M · min. income ≈ HK$45,158/mo (50% DSR)
Upfront cash ≈ HK$1.95M (deposit + AVD stamp duty HK$138,173 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,757
−HK$1,552/mo
▼ 0.25% · 3.875%
HK$25,527
−HK$782/mo
Today · 4.125%
HK$26,309
baseline
▲ 0.50% · 4.625%
HK$27,910
+HK$1,601/mo
Deposit HK$603K · loan HK$5.43M · min. income ≈ HK$52,618/mo (50% DSR)
Upfront cash ≈ HK$741K (deposit + AVD stamp duty HK$138,173 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,542
−HK$1,488/mo
▼ 0.25% · 3.875%
HK$28,281
−HK$749/mo
Today · 4.125%
HK$29,030
baseline
▲ 0.50% · 4.625%
HK$30,560
+HK$1,530/mo
Deposit HK$603K · loan HK$5.43M · min. income ≈ HK$58,060/mo (50% DSR)
Upfront cash ≈ HK$741K (deposit + AVD stamp duty HK$138,173 · 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).