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$13,803
−HK$866/mo
▼ 0.25% · 3.875%
HK$14,232
−HK$437/mo
Today · 4.125%
HK$14,669
baseline
▲ 0.50% · 4.625%
HK$15,561
+HK$892/mo
Deposit HK$3.03M · loan HK$3.03M · min. income ≈ HK$29,338/mo (50% DSR)
Upfront cash ≈ HK$3.17M (deposit + AVD stamp duty HK$140,327 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,356
−HK$829/mo
▼ 0.25% · 3.875%
HK$15,768
−HK$417/mo
Today · 4.125%
HK$16,185
baseline
▲ 0.50% · 4.625%
HK$17,038
+HK$853/mo
Deposit HK$3.03M · loan HK$3.03M · min. income ≈ HK$32,370/mo (50% DSR)
Upfront cash ≈ HK$3.17M (deposit + AVD stamp duty HK$140,327 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,564
−HK$1,038/mo
▼ 0.25% · 3.875%
HK$17,079
−HK$523/mo
Today · 4.125%
HK$17,602
baseline
▲ 0.50% · 4.625%
HK$18,673
+HK$1,071/mo
Deposit HK$2.42M · loan HK$3.63M · min. income ≈ HK$35,204/mo (50% DSR)
Upfront cash ≈ HK$2.56M (deposit + AVD stamp duty HK$140,327 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,427
−HK$995/mo
▼ 0.25% · 3.875%
HK$18,921
−HK$501/mo
Today · 4.125%
HK$19,422
baseline
▲ 0.50% · 4.625%
HK$20,446
+HK$1,024/mo
Deposit HK$2.42M · loan HK$3.63M · min. income ≈ HK$38,844/mo (50% DSR)
Upfront cash ≈ HK$2.56M (deposit + AVD stamp duty HK$140,327 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,324
−HK$1,212/mo
▼ 0.25% · 3.875%
HK$19,925
−HK$611/mo
Today · 4.125%
HK$20,536
baseline
▲ 0.50% · 4.625%
HK$21,786
+HK$1,250/mo
Deposit HK$1.82M · loan HK$4.24M · min. income ≈ HK$41,072/mo (50% DSR)
Upfront cash ≈ HK$1.96M (deposit + AVD stamp duty HK$140,327 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,498
−HK$1,161/mo
▼ 0.25% · 3.875%
HK$22,075
−HK$584/mo
Today · 4.125%
HK$22,659
baseline
▲ 0.50% · 4.625%
HK$23,854
+HK$1,195/mo
Deposit HK$1.82M · loan HK$4.24M · min. income ≈ HK$45,318/mo (50% DSR)
Upfront cash ≈ HK$1.96M (deposit + AVD stamp duty HK$140,327 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,845
−HK$1,558/mo
▼ 0.25% · 3.875%
HK$25,618
−HK$785/mo
Today · 4.125%
HK$26,403
baseline
▲ 0.50% · 4.625%
HK$28,010
+HK$1,607/mo
Deposit HK$605K · loan HK$5.45M · min. income ≈ HK$52,806/mo (50% DSR)
Upfront cash ≈ HK$746K (deposit + AVD stamp duty HK$140,327 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,640
−HK$1,494/mo
▼ 0.25% · 3.875%
HK$28,382
−HK$752/mo
Today · 4.125%
HK$29,134
baseline
▲ 0.50% · 4.625%
HK$30,669
+HK$1,535/mo
Deposit HK$605K · loan HK$5.45M · min. income ≈ HK$58,268/mo (50% DSR)
Upfront cash ≈ HK$746K (deposit + AVD stamp duty HK$140,327 · 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).