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$13,770
−HK$863/mo
▼ 0.25% · 3.875%
HK$14,198
−HK$435/mo
Today · 4.125%
HK$14,633
baseline
▲ 0.50% · 4.625%
HK$15,523
+HK$890/mo
Deposit HK$3.02M · loan HK$3.02M · min. income ≈ HK$29,266/mo (50% DSR)
Upfront cash ≈ HK$3.16M (deposit + AVD stamp duty HK$138,860 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,318
−HK$828/mo
▼ 0.25% · 3.875%
HK$15,729
−HK$417/mo
Today · 4.125%
HK$16,146
baseline
▲ 0.50% · 4.625%
HK$16,997
+HK$851/mo
Deposit HK$3.02M · loan HK$3.02M · min. income ≈ HK$32,292/mo (50% DSR)
Upfront cash ≈ HK$3.16M (deposit + AVD stamp duty HK$138,860 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,523
−HK$1,037/mo
▼ 0.25% · 3.875%
HK$17,037
−HK$523/mo
Today · 4.125%
HK$17,560
baseline
▲ 0.50% · 4.625%
HK$18,628
+HK$1,068/mo
Deposit HK$2.42M · loan HK$3.62M · min. income ≈ HK$35,120/mo (50% DSR)
Upfront cash ≈ HK$2.55M (deposit + AVD stamp duty HK$138,860 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,382
−HK$993/mo
▼ 0.25% · 3.875%
HK$18,875
−HK$500/mo
Today · 4.125%
HK$19,375
baseline
▲ 0.50% · 4.625%
HK$20,397
+HK$1,022/mo
Deposit HK$2.42M · loan HK$3.62M · min. income ≈ HK$38,750/mo (50% DSR)
Upfront cash ≈ HK$2.55M (deposit + AVD stamp duty HK$138,860 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,277
−HK$1,209/mo
▼ 0.25% · 3.875%
HK$19,877
−HK$609/mo
Today · 4.125%
HK$20,486
baseline
▲ 0.50% · 4.625%
HK$21,733
+HK$1,247/mo
Deposit HK$1.81M · loan HK$4.23M · min. income ≈ HK$40,972/mo (50% DSR)
Upfront cash ≈ HK$1.95M (deposit + AVD stamp duty HK$138,860 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,446
−HK$1,159/mo
▼ 0.25% · 3.875%
HK$22,021
−HK$584/mo
Today · 4.125%
HK$22,605
baseline
▲ 0.50% · 4.625%
HK$23,796
+HK$1,191/mo
Deposit HK$1.81M · loan HK$4.23M · min. income ≈ HK$45,210/mo (50% DSR)
Upfront cash ≈ HK$1.95M (deposit + AVD stamp duty HK$138,860 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,785
−HK$1,554/mo
▼ 0.25% · 3.875%
HK$25,556
−HK$783/mo
Today · 4.125%
HK$26,339
baseline
▲ 0.50% · 4.625%
HK$27,942
+HK$1,603/mo
Deposit HK$604K · loan HK$5.43M · min. income ≈ HK$52,678/mo (50% DSR)
Upfront cash ≈ HK$743K (deposit + AVD stamp duty HK$138,860 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,573
−HK$1,490/mo
▼ 0.25% · 3.875%
HK$28,313
−HK$750/mo
Today · 4.125%
HK$29,063
baseline
▲ 0.50% · 4.625%
HK$30,595
+HK$1,532/mo
Deposit HK$604K · loan HK$5.43M · min. income ≈ HK$58,126/mo (50% DSR)
Upfront cash ≈ HK$743K (deposit + AVD stamp duty HK$138,860 · 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).