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$13,788
−HK$864/mo
▼ 0.25% · 3.875%
HK$14,217
−HK$435/mo
Today · 4.125%
HK$14,652
baseline
▲ 0.50% · 4.625%
HK$15,544
+HK$892/mo
Deposit HK$3.02M · loan HK$3.02M · min. income ≈ HK$29,304/mo (50% DSR)
Upfront cash ≈ HK$3.16M (deposit + AVD stamp duty HK$139,654 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,339
−HK$828/mo
▼ 0.25% · 3.875%
HK$15,750
−HK$417/mo
Today · 4.125%
HK$16,167
baseline
▲ 0.50% · 4.625%
HK$17,020
+HK$853/mo
Deposit HK$3.02M · loan HK$3.02M · min. income ≈ HK$32,334/mo (50% DSR)
Upfront cash ≈ HK$3.16M (deposit + AVD stamp duty HK$139,654 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,545
−HK$1,038/mo
▼ 0.25% · 3.875%
HK$17,060
−HK$523/mo
Today · 4.125%
HK$17,583
baseline
▲ 0.50% · 4.625%
HK$18,653
+HK$1,070/mo
Deposit HK$2.42M · loan HK$3.63M · min. income ≈ HK$35,166/mo (50% DSR)
Upfront cash ≈ HK$2.56M (deposit + AVD stamp duty HK$139,654 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,406
−HK$995/mo
▼ 0.25% · 3.875%
HK$18,900
−HK$501/mo
Today · 4.125%
HK$19,401
baseline
▲ 0.50% · 4.625%
HK$20,423
+HK$1,022/mo
Deposit HK$2.42M · loan HK$3.63M · min. income ≈ HK$38,802/mo (50% DSR)
Upfront cash ≈ HK$2.56M (deposit + AVD stamp duty HK$139,654 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,303
−HK$1,210/mo
▼ 0.25% · 3.875%
HK$19,903
−HK$610/mo
Today · 4.125%
HK$20,513
baseline
▲ 0.50% · 4.625%
HK$21,761
+HK$1,248/mo
Deposit HK$1.81M · loan HK$4.23M · min. income ≈ HK$41,026/mo (50% DSR)
Upfront cash ≈ HK$1.95M (deposit + AVD stamp duty HK$139,654 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,474
−HK$1,160/mo
▼ 0.25% · 3.875%
HK$22,050
−HK$584/mo
Today · 4.125%
HK$22,634
baseline
▲ 0.50% · 4.625%
HK$23,827
+HK$1,193/mo
Deposit HK$1.81M · loan HK$4.23M · min. income ≈ HK$45,268/mo (50% DSR)
Upfront cash ≈ HK$1.95M (deposit + AVD stamp duty HK$139,654 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,818
−HK$1,556/mo
▼ 0.25% · 3.875%
HK$25,590
−HK$784/mo
Today · 4.125%
HK$26,374
baseline
▲ 0.50% · 4.625%
HK$27,979
+HK$1,605/mo
Deposit HK$605K · loan HK$5.44M · min. income ≈ HK$52,748/mo (50% DSR)
Upfront cash ≈ HK$744K (deposit + AVD stamp duty HK$139,654 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,610
−HK$1,491/mo
▼ 0.25% · 3.875%
HK$28,350
−HK$751/mo
Today · 4.125%
HK$29,101
baseline
▲ 0.50% · 4.625%
HK$30,635
+HK$1,534/mo
Deposit HK$605K · loan HK$5.44M · min. income ≈ HK$58,202/mo (50% DSR)
Upfront cash ≈ HK$744K (deposit + AVD stamp duty HK$139,654 · 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).