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$13,760
−HK$863/mo
▼ 0.25% · 3.875%
HK$14,188
−HK$435/mo
Today · 4.125%
HK$14,623
baseline
▲ 0.50% · 4.625%
HK$15,512
+HK$889/mo
Deposit HK$3.02M · loan HK$3.02M · min. income ≈ HK$29,246/mo (50% DSR)
Upfront cash ≈ HK$3.16M (deposit + AVD stamp duty HK$138,426 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,307
−HK$827/mo
▼ 0.25% · 3.875%
HK$15,718
−HK$416/mo
Today · 4.125%
HK$16,134
baseline
▲ 0.50% · 4.625%
HK$16,985
+HK$851/mo
Deposit HK$3.02M · loan HK$3.02M · min. income ≈ HK$32,268/mo (50% DSR)
Upfront cash ≈ HK$3.16M (deposit + AVD stamp duty HK$138,426 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,512
−HK$1,035/mo
▼ 0.25% · 3.875%
HK$17,025
−HK$522/mo
Today · 4.125%
HK$17,547
baseline
▲ 0.50% · 4.625%
HK$18,615
+HK$1,068/mo
Deposit HK$2.41M · loan HK$3.62M · min. income ≈ HK$35,094/mo (50% DSR)
Upfront cash ≈ HK$2.55M (deposit + AVD stamp duty HK$138,426 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,369
−HK$992/mo
▼ 0.25% · 3.875%
HK$18,862
−HK$499/mo
Today · 4.125%
HK$19,361
baseline
▲ 0.50% · 4.625%
HK$20,382
+HK$1,021/mo
Deposit HK$2.41M · loan HK$3.62M · min. income ≈ HK$38,722/mo (50% DSR)
Upfront cash ≈ HK$2.55M (deposit + AVD stamp duty HK$138,426 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,264
−HK$1,208/mo
▼ 0.25% · 3.875%
HK$19,863
−HK$609/mo
Today · 4.125%
HK$20,472
baseline
▲ 0.50% · 4.625%
HK$21,717
+HK$1,245/mo
Deposit HK$1.81M · loan HK$4.22M · min. income ≈ HK$40,944/mo (50% DSR)
Upfront cash ≈ HK$1.95M (deposit + AVD stamp duty HK$138,426 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,430
−HK$1,158/mo
▼ 0.25% · 3.875%
HK$22,005
−HK$583/mo
Today · 4.125%
HK$22,588
baseline
▲ 0.50% · 4.625%
HK$23,779
+HK$1,191/mo
Deposit HK$1.81M · loan HK$4.22M · min. income ≈ HK$45,176/mo (50% DSR)
Upfront cash ≈ HK$1.95M (deposit + AVD stamp duty HK$138,426 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,767
−HK$1,554/mo
▼ 0.25% · 3.875%
HK$25,538
−HK$783/mo
Today · 4.125%
HK$26,321
baseline
▲ 0.50% · 4.625%
HK$27,922
+HK$1,601/mo
Deposit HK$603K · loan HK$5.43M · min. income ≈ HK$52,642/mo (50% DSR)
Upfront cash ≈ HK$742K (deposit + AVD stamp duty HK$138,426 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,553
−HK$1,489/mo
▼ 0.25% · 3.875%
HK$28,292
−HK$750/mo
Today · 4.125%
HK$29,042
baseline
▲ 0.50% · 4.625%
HK$30,573
+HK$1,531/mo
Deposit HK$603K · loan HK$5.43M · min. income ≈ HK$58,084/mo (50% DSR)
Upfront cash ≈ HK$742K (deposit + AVD stamp duty HK$138,426 · 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).