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$13,777
−HK$864/mo
▼ 0.25% · 3.875%
HK$14,205
−HK$436/mo
Today · 4.125%
HK$14,641
baseline
▲ 0.50% · 4.625%
HK$15,532
+HK$891/mo
Deposit HK$3.02M · loan HK$3.02M · min. income ≈ HK$29,282/mo (50% DSR)
Upfront cash ≈ HK$3.16M (deposit + AVD stamp duty HK$139,183 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,327
−HK$828/mo
▼ 0.25% · 3.875%
HK$15,738
−HK$417/mo
Today · 4.125%
HK$16,155
baseline
▲ 0.50% · 4.625%
HK$17,006
+HK$851/mo
Deposit HK$3.02M · loan HK$3.02M · min. income ≈ HK$32,310/mo (50% DSR)
Upfront cash ≈ HK$3.16M (deposit + AVD stamp duty HK$139,183 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,532
−HK$1,037/mo
▼ 0.25% · 3.875%
HK$17,047
−HK$522/mo
Today · 4.125%
HK$17,569
baseline
▲ 0.50% · 4.625%
HK$18,638
+HK$1,069/mo
Deposit HK$2.42M · loan HK$3.63M · min. income ≈ HK$35,138/mo (50% DSR)
Upfront cash ≈ HK$2.56M (deposit + AVD stamp duty HK$139,183 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,392
−HK$994/mo
▼ 0.25% · 3.875%
HK$18,885
−HK$501/mo
Today · 4.125%
HK$19,386
baseline
▲ 0.50% · 4.625%
HK$20,408
+HK$1,022/mo
Deposit HK$2.42M · loan HK$3.63M · min. income ≈ HK$38,772/mo (50% DSR)
Upfront cash ≈ HK$2.56M (deposit + AVD stamp duty HK$139,183 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,288
−HK$1,209/mo
▼ 0.25% · 3.875%
HK$19,888
−HK$609/mo
Today · 4.125%
HK$20,497
baseline
▲ 0.50% · 4.625%
HK$21,744
+HK$1,247/mo
Deposit HK$1.81M · loan HK$4.23M · min. income ≈ HK$40,994/mo (50% DSR)
Upfront cash ≈ HK$1.95M (deposit + AVD stamp duty HK$139,183 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,457
−HK$1,160/mo
▼ 0.25% · 3.875%
HK$22,033
−HK$584/mo
Today · 4.125%
HK$22,617
baseline
▲ 0.50% · 4.625%
HK$23,809
+HK$1,192/mo
Deposit HK$1.81M · loan HK$4.23M · min. income ≈ HK$45,234/mo (50% DSR)
Upfront cash ≈ HK$1.95M (deposit + AVD stamp duty HK$139,183 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,798
−HK$1,556/mo
▼ 0.25% · 3.875%
HK$25,570
−HK$784/mo
Today · 4.125%
HK$26,354
baseline
▲ 0.50% · 4.625%
HK$27,957
+HK$1,603/mo
Deposit HK$604K · loan HK$5.44M · min. income ≈ HK$52,708/mo (50% DSR)
Upfront cash ≈ HK$743K (deposit + AVD stamp duty HK$139,183 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,588
−HK$1,491/mo
▼ 0.25% · 3.875%
HK$28,328
−HK$751/mo
Today · 4.125%
HK$29,079
baseline
▲ 0.50% · 4.625%
HK$30,611
+HK$1,532/mo
Deposit HK$604K · loan HK$5.44M · min. income ≈ HK$58,158/mo (50% DSR)
Upfront cash ≈ HK$743K (deposit + AVD stamp duty HK$139,183 · 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).