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$13,781
−HK$864/mo
▼ 0.25% · 3.875%
HK$14,210
−HK$435/mo
Today · 4.125%
HK$14,645
baseline
▲ 0.50% · 4.625%
HK$15,537
+HK$892/mo
Deposit HK$3.02M · loan HK$3.02M · min. income ≈ HK$29,290/mo (50% DSR)
Upfront cash ≈ HK$3.16M (deposit + AVD stamp duty HK$139,373 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,331
−HK$829/mo
▼ 0.25% · 3.875%
HK$15,743
−HK$417/mo
Today · 4.125%
HK$16,160
baseline
▲ 0.50% · 4.625%
HK$17,012
+HK$852/mo
Deposit HK$3.02M · loan HK$3.02M · min. income ≈ HK$32,320/mo (50% DSR)
Upfront cash ≈ HK$3.16M (deposit + AVD stamp duty HK$139,373 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,537
−HK$1,038/mo
▼ 0.25% · 3.875%
HK$17,052
−HK$523/mo
Today · 4.125%
HK$17,575
baseline
▲ 0.50% · 4.625%
HK$18,644
+HK$1,069/mo
Deposit HK$2.42M · loan HK$3.63M · min. income ≈ HK$35,150/mo (50% DSR)
Upfront cash ≈ HK$2.56M (deposit + AVD stamp duty HK$139,373 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,398
−HK$994/mo
▼ 0.25% · 3.875%
HK$18,891
−HK$501/mo
Today · 4.125%
HK$19,392
baseline
▲ 0.50% · 4.625%
HK$20,414
+HK$1,022/mo
Deposit HK$2.42M · loan HK$3.63M · min. income ≈ HK$38,784/mo (50% DSR)
Upfront cash ≈ HK$2.56M (deposit + AVD stamp duty HK$139,373 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,294
−HK$1,210/mo
▼ 0.25% · 3.875%
HK$19,894
−HK$610/mo
Today · 4.125%
HK$20,504
baseline
▲ 0.50% · 4.625%
HK$21,751
+HK$1,247/mo
Deposit HK$1.81M · loan HK$4.23M · min. income ≈ HK$41,008/mo (50% DSR)
Upfront cash ≈ HK$1.95M (deposit + AVD stamp duty HK$139,373 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,464
−HK$1,160/mo
▼ 0.25% · 3.875%
HK$22,040
−HK$584/mo
Today · 4.125%
HK$22,624
baseline
▲ 0.50% · 4.625%
HK$23,816
+HK$1,192/mo
Deposit HK$1.81M · loan HK$4.23M · min. income ≈ HK$45,248/mo (50% DSR)
Upfront cash ≈ HK$1.95M (deposit + AVD stamp duty HK$139,373 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,806
−HK$1,556/mo
▼ 0.25% · 3.875%
HK$25,578
−HK$784/mo
Today · 4.125%
HK$26,362
baseline
▲ 0.50% · 4.625%
HK$27,966
+HK$1,604/mo
Deposit HK$604K · loan HK$5.44M · min. income ≈ HK$52,724/mo (50% DSR)
Upfront cash ≈ HK$744K (deposit + AVD stamp duty HK$139,373 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,597
−HK$1,491/mo
▼ 0.25% · 3.875%
HK$28,337
−HK$751/mo
Today · 4.125%
HK$29,088
baseline
▲ 0.50% · 4.625%
HK$30,621
+HK$1,533/mo
Deposit HK$604K · loan HK$5.44M · min. income ≈ HK$58,176/mo (50% DSR)
Upfront cash ≈ HK$744K (deposit + AVD stamp duty HK$139,373 · 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).