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$13,805
−HK$866/mo
▼ 0.25% · 3.875%
HK$14,235
−HK$436/mo
Today · 4.125%
HK$14,671
baseline
▲ 0.50% · 4.625%
HK$15,564
+HK$893/mo
Deposit HK$3.03M · loan HK$3.03M · min. income ≈ HK$29,342/mo (50% DSR)
Upfront cash ≈ HK$3.17M (deposit + AVD stamp duty HK$140,434 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,358
−HK$830/mo
▼ 0.25% · 3.875%
HK$15,770
−HK$418/mo
Today · 4.125%
HK$16,188
baseline
▲ 0.50% · 4.625%
HK$17,041
+HK$853/mo
Deposit HK$3.03M · loan HK$3.03M · min. income ≈ HK$32,376/mo (50% DSR)
Upfront cash ≈ HK$3.17M (deposit + AVD stamp duty HK$140,434 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,567
−HK$1,038/mo
▼ 0.25% · 3.875%
HK$17,082
−HK$523/mo
Today · 4.125%
HK$17,605
baseline
▲ 0.50% · 4.625%
HK$18,677
+HK$1,072/mo
Deposit HK$2.42M · loan HK$3.63M · min. income ≈ HK$35,210/mo (50% DSR)
Upfront cash ≈ HK$2.56M (deposit + AVD stamp duty HK$140,434 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,430
−HK$996/mo
▼ 0.25% · 3.875%
HK$18,924
−HK$502/mo
Today · 4.125%
HK$19,426
baseline
▲ 0.50% · 4.625%
HK$20,450
+HK$1,024/mo
Deposit HK$2.42M · loan HK$3.63M · min. income ≈ HK$38,852/mo (50% DSR)
Upfront cash ≈ HK$2.56M (deposit + AVD stamp duty HK$140,434 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,328
−HK$1,212/mo
▼ 0.25% · 3.875%
HK$19,929
−HK$611/mo
Today · 4.125%
HK$20,540
baseline
▲ 0.50% · 4.625%
HK$21,789
+HK$1,249/mo
Deposit HK$1.82M · loan HK$4.24M · min. income ≈ HK$41,080/mo (50% DSR)
Upfront cash ≈ HK$1.96M (deposit + AVD stamp duty HK$140,434 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,502
−HK$1,161/mo
▼ 0.25% · 3.875%
HK$22,078
−HK$585/mo
Today · 4.125%
HK$22,663
baseline
▲ 0.50% · 4.625%
HK$23,858
+HK$1,195/mo
Deposit HK$1.82M · loan HK$4.24M · min. income ≈ HK$45,326/mo (50% DSR)
Upfront cash ≈ HK$1.96M (deposit + AVD stamp duty HK$140,434 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,850
−HK$1,558/mo
▼ 0.25% · 3.875%
HK$25,623
−HK$785/mo
Today · 4.125%
HK$26,408
baseline
▲ 0.50% · 4.625%
HK$28,015
+HK$1,607/mo
Deposit HK$605K · loan HK$5.45M · min. income ≈ HK$52,816/mo (50% DSR)
Upfront cash ≈ HK$746K (deposit + AVD stamp duty HK$140,434 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,645
−HK$1,494/mo
▼ 0.25% · 3.875%
HK$28,387
−HK$752/mo
Today · 4.125%
HK$29,139
baseline
▲ 0.50% · 4.625%
HK$30,675
+HK$1,536/mo
Deposit HK$605K · loan HK$5.45M · min. income ≈ HK$58,278/mo (50% DSR)
Upfront cash ≈ HK$746K (deposit + AVD stamp duty HK$140,434 · 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).