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$13,770
−HK$864/mo
▼ 0.25% · 3.875%
HK$14,198
−HK$436/mo
Today · 4.125%
HK$14,634
baseline
▲ 0.50% · 4.625%
HK$15,524
+HK$890/mo
Deposit HK$3.02M · loan HK$3.02M · min. income ≈ HK$29,268/mo (50% DSR)
Upfront cash ≈ HK$3.16M (deposit + AVD stamp duty HK$138,884 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,319
−HK$828/mo
▼ 0.25% · 3.875%
HK$15,730
−HK$417/mo
Today · 4.125%
HK$16,147
baseline
▲ 0.50% · 4.625%
HK$16,998
+HK$851/mo
Deposit HK$3.02M · loan HK$3.02M · min. income ≈ HK$32,294/mo (50% DSR)
Upfront cash ≈ HK$3.16M (deposit + AVD stamp duty HK$138,884 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,524
−HK$1,036/mo
▼ 0.25% · 3.875%
HK$17,038
−HK$522/mo
Today · 4.125%
HK$17,560
baseline
▲ 0.50% · 4.625%
HK$18,629
+HK$1,069/mo
Deposit HK$2.42M · loan HK$3.62M · min. income ≈ HK$35,120/mo (50% DSR)
Upfront cash ≈ HK$2.55M (deposit + AVD stamp duty HK$138,884 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,383
−HK$993/mo
▼ 0.25% · 3.875%
HK$18,876
−HK$500/mo
Today · 4.125%
HK$19,376
baseline
▲ 0.50% · 4.625%
HK$20,397
+HK$1,021/mo
Deposit HK$2.42M · loan HK$3.62M · min. income ≈ HK$38,752/mo (50% DSR)
Upfront cash ≈ HK$2.55M (deposit + AVD stamp duty HK$138,884 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,278
−HK$1,209/mo
▼ 0.25% · 3.875%
HK$19,878
−HK$609/mo
Today · 4.125%
HK$20,487
baseline
▲ 0.50% · 4.625%
HK$21,734
+HK$1,247/mo
Deposit HK$1.81M · loan HK$4.23M · min. income ≈ HK$40,974/mo (50% DSR)
Upfront cash ≈ HK$1.95M (deposit + AVD stamp duty HK$138,884 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,447
−HK$1,158/mo
▼ 0.25% · 3.875%
HK$22,022
−HK$583/mo
Today · 4.125%
HK$22,605
baseline
▲ 0.50% · 4.625%
HK$23,797
+HK$1,192/mo
Deposit HK$1.81M · loan HK$4.23M · min. income ≈ HK$45,210/mo (50% DSR)
Upfront cash ≈ HK$1.95M (deposit + AVD stamp duty HK$138,884 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,786
−HK$1,554/mo
▼ 0.25% · 3.875%
HK$25,557
−HK$783/mo
Today · 4.125%
HK$26,340
baseline
▲ 0.50% · 4.625%
HK$27,943
+HK$1,603/mo
Deposit HK$604K · loan HK$5.43M · min. income ≈ HK$52,680/mo (50% DSR)
Upfront cash ≈ HK$743K (deposit + AVD stamp duty HK$138,884 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,574
−HK$1,490/mo
▼ 0.25% · 3.875%
HK$28,314
−HK$750/mo
Today · 4.125%
HK$29,064
baseline
▲ 0.50% · 4.625%
HK$30,596
+HK$1,532/mo
Deposit HK$604K · loan HK$5.43M · min. income ≈ HK$58,128/mo (50% DSR)
Upfront cash ≈ HK$743K (deposit + AVD stamp duty HK$138,884 · 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).