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$13,779
−HK$864/mo
▼ 0.25% · 3.875%
HK$14,207
−HK$436/mo
Today · 4.125%
HK$14,643
baseline
▲ 0.50% · 4.625%
HK$15,534
+HK$891/mo
Deposit HK$3.02M · loan HK$3.02M · min. income ≈ HK$29,286/mo (50% DSR)
Upfront cash ≈ HK$3.16M (deposit + AVD stamp duty HK$139,254 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,328
−HK$829/mo
▼ 0.25% · 3.875%
HK$15,740
−HK$417/mo
Today · 4.125%
HK$16,157
baseline
▲ 0.50% · 4.625%
HK$17,008
+HK$851/mo
Deposit HK$3.02M · loan HK$3.02M · min. income ≈ HK$32,314/mo (50% DSR)
Upfront cash ≈ HK$3.16M (deposit + AVD stamp duty HK$139,254 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,534
−HK$1,037/mo
▼ 0.25% · 3.875%
HK$17,049
−HK$522/mo
Today · 4.125%
HK$17,571
baseline
▲ 0.50% · 4.625%
HK$18,640
+HK$1,069/mo
Deposit HK$2.42M · loan HK$3.63M · min. income ≈ HK$35,142/mo (50% DSR)
Upfront cash ≈ HK$2.56M (deposit + AVD stamp duty HK$139,254 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,394
−HK$994/mo
▼ 0.25% · 3.875%
HK$18,888
−HK$500/mo
Today · 4.125%
HK$19,388
baseline
▲ 0.50% · 4.625%
HK$20,410
+HK$1,022/mo
Deposit HK$2.42M · loan HK$3.63M · min. income ≈ HK$38,776/mo (50% DSR)
Upfront cash ≈ HK$2.56M (deposit + AVD stamp duty HK$139,254 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,290
−HK$1,210/mo
▼ 0.25% · 3.875%
HK$19,890
−HK$610/mo
Today · 4.125%
HK$20,500
baseline
▲ 0.50% · 4.625%
HK$21,747
+HK$1,247/mo
Deposit HK$1.81M · loan HK$4.23M · min. income ≈ HK$41,000/mo (50% DSR)
Upfront cash ≈ HK$1.95M (deposit + AVD stamp duty HK$139,254 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,460
−HK$1,159/mo
▼ 0.25% · 3.875%
HK$22,035
−HK$584/mo
Today · 4.125%
HK$22,619
baseline
▲ 0.50% · 4.625%
HK$23,812
+HK$1,193/mo
Deposit HK$1.81M · loan HK$4.23M · min. income ≈ HK$45,238/mo (50% DSR)
Upfront cash ≈ HK$1.95M (deposit + AVD stamp duty HK$139,254 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,801
−HK$1,556/mo
▼ 0.25% · 3.875%
HK$25,573
−HK$784/mo
Today · 4.125%
HK$26,357
baseline
▲ 0.50% · 4.625%
HK$27,960
+HK$1,603/mo
Deposit HK$604K · loan HK$5.44M · min. income ≈ HK$52,714/mo (50% DSR)
Upfront cash ≈ HK$744K (deposit + AVD stamp duty HK$139,254 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,591
−HK$1,491/mo
▼ 0.25% · 3.875%
HK$28,331
−HK$751/mo
Today · 4.125%
HK$29,082
baseline
▲ 0.50% · 4.625%
HK$30,615
+HK$1,533/mo
Deposit HK$604K · loan HK$5.44M · min. income ≈ HK$58,164/mo (50% DSR)
Upfront cash ≈ HK$744K (deposit + AVD stamp duty HK$139,254 · 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).