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$13,782
−HK$864/mo
▼ 0.25% · 3.875%
HK$14,211
−HK$435/mo
Today · 4.125%
HK$14,646
baseline
▲ 0.50% · 4.625%
HK$15,537
+HK$891/mo
Deposit HK$3.02M · loan HK$3.02M · min. income ≈ HK$29,292/mo (50% DSR)
Upfront cash ≈ HK$3.16M (deposit + AVD stamp duty HK$139,403 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,332
−HK$829/mo
▼ 0.25% · 3.875%
HK$15,743
−HK$418/mo
Today · 4.125%
HK$16,161
baseline
▲ 0.50% · 4.625%
HK$17,012
+HK$851/mo
Deposit HK$3.02M · loan HK$3.02M · min. income ≈ HK$32,322/mo (50% DSR)
Upfront cash ≈ HK$3.16M (deposit + AVD stamp duty HK$139,403 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,538
−HK$1,037/mo
▼ 0.25% · 3.875%
HK$17,053
−HK$522/mo
Today · 4.125%
HK$17,575
baseline
▲ 0.50% · 4.625%
HK$18,645
+HK$1,070/mo
Deposit HK$2.42M · loan HK$3.63M · min. income ≈ HK$35,150/mo (50% DSR)
Upfront cash ≈ HK$2.56M (deposit + AVD stamp duty HK$139,403 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,399
−HK$994/mo
▼ 0.25% · 3.875%
HK$18,892
−HK$501/mo
Today · 4.125%
HK$19,393
baseline
▲ 0.50% · 4.625%
HK$20,415
+HK$1,022/mo
Deposit HK$2.42M · loan HK$3.63M · min. income ≈ HK$38,786/mo (50% DSR)
Upfront cash ≈ HK$2.56M (deposit + AVD stamp duty HK$139,403 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,295
−HK$1,210/mo
▼ 0.25% · 3.875%
HK$19,895
−HK$610/mo
Today · 4.125%
HK$20,505
baseline
▲ 0.50% · 4.625%
HK$21,752
+HK$1,247/mo
Deposit HK$1.81M · loan HK$4.23M · min. income ≈ HK$41,010/mo (50% DSR)
Upfront cash ≈ HK$1.95M (deposit + AVD stamp duty HK$139,403 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,465
−HK$1,160/mo
▼ 0.25% · 3.875%
HK$22,041
−HK$584/mo
Today · 4.125%
HK$22,625
baseline
▲ 0.50% · 4.625%
HK$23,817
+HK$1,192/mo
Deposit HK$1.81M · loan HK$4.23M · min. income ≈ HK$45,250/mo (50% DSR)
Upfront cash ≈ HK$1.95M (deposit + AVD stamp duty HK$139,403 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,807
−HK$1,556/mo
▼ 0.25% · 3.875%
HK$25,579
−HK$784/mo
Today · 4.125%
HK$26,363
baseline
▲ 0.50% · 4.625%
HK$27,967
+HK$1,604/mo
Deposit HK$604K · loan HK$5.44M · min. income ≈ HK$52,726/mo (50% DSR)
Upfront cash ≈ HK$744K (deposit + AVD stamp duty HK$139,403 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,598
−HK$1,491/mo
▼ 0.25% · 3.875%
HK$28,338
−HK$751/mo
Today · 4.125%
HK$29,089
baseline
▲ 0.50% · 4.625%
HK$30,622
+HK$1,533/mo
Deposit HK$604K · loan HK$5.44M · min. income ≈ HK$58,178/mo (50% DSR)
Upfront cash ≈ HK$744K (deposit + AVD stamp duty HK$139,403 · 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).