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$14,233
−HK$436/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$140,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,356
−HK$830/mo
▼ 0.25% · 3.875%
HK$15,768
−HK$418/mo
Today · 4.125%
HK$16,186
baseline
▲ 0.50% · 4.625%
HK$17,039
+HK$853/mo
Deposit HK$3.03M · loan HK$3.03M · min. income ≈ HK$32,372/mo (50% DSR)
Upfront cash ≈ HK$3.17M (deposit + AVD stamp duty HK$140,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,564
−HK$1,039/mo
▼ 0.25% · 3.875%
HK$17,079
−HK$524/mo
Today · 4.125%
HK$17,603
baseline
▲ 0.50% · 4.625%
HK$18,674
+HK$1,071/mo
Deposit HK$2.42M · loan HK$3.63M · min. income ≈ HK$35,206/mo (50% DSR)
Upfront cash ≈ HK$2.56M (deposit + AVD stamp duty HK$140,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,427
−HK$996/mo
▼ 0.25% · 3.875%
HK$18,921
−HK$502/mo
Today · 4.125%
HK$19,423
baseline
▲ 0.50% · 4.625%
HK$20,446
+HK$1,023/mo
Deposit HK$2.42M · loan HK$3.63M · min. income ≈ HK$38,846/mo (50% DSR)
Upfront cash ≈ HK$2.56M (deposit + AVD stamp duty HK$140,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,324
−HK$1,212/mo
▼ 0.25% · 3.875%
HK$19,926
−HK$610/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$140,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,498
−HK$1,162/mo
▼ 0.25% · 3.875%
HK$22,075
−HK$585/mo
Today · 4.125%
HK$22,660
baseline
▲ 0.50% · 4.625%
HK$23,854
+HK$1,194/mo
Deposit HK$1.82M · loan HK$4.24M · min. income ≈ HK$45,320/mo (50% DSR)
Upfront cash ≈ HK$1.96M (deposit + AVD stamp duty HK$140,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,846
−HK$1,558/mo
▼ 0.25% · 3.875%
HK$25,619
−HK$785/mo
Today · 4.125%
HK$26,404
baseline
▲ 0.50% · 4.625%
HK$28,010
+HK$1,606/mo
Deposit HK$605K · loan HK$5.45M · min. income ≈ HK$52,808/mo (50% DSR)
Upfront cash ≈ HK$746K (deposit + AVD stamp duty HK$140,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,641
−HK$1,493/mo
▼ 0.25% · 3.875%
HK$28,382
−HK$752/mo
Today · 4.125%
HK$29,134
baseline
▲ 0.50% · 4.625%
HK$30,670
+HK$1,536/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$140,335 · 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).