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$13,763
−HK$863/mo
▼ 0.25% · 3.875%
HK$14,191
−HK$435/mo
Today · 4.125%
HK$14,626
baseline
▲ 0.50% · 4.625%
HK$15,516
+HK$890/mo
Deposit HK$3.02M · loan HK$3.02M · min. income ≈ HK$29,252/mo (50% DSR)
Upfront cash ≈ HK$3.16M (deposit + AVD stamp duty HK$138,566 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,311
−HK$827/mo
▼ 0.25% · 3.875%
HK$15,722
−HK$416/mo
Today · 4.125%
HK$16,138
baseline
▲ 0.50% · 4.625%
HK$16,989
+HK$851/mo
Deposit HK$3.02M · loan HK$3.02M · min. income ≈ HK$32,276/mo (50% DSR)
Upfront cash ≈ HK$3.16M (deposit + AVD stamp duty HK$138,566 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,515
−HK$1,036/mo
▼ 0.25% · 3.875%
HK$17,029
−HK$522/mo
Today · 4.125%
HK$17,551
baseline
▲ 0.50% · 4.625%
HK$18,619
+HK$1,068/mo
Deposit HK$2.41M · loan HK$3.62M · min. income ≈ HK$35,102/mo (50% DSR)
Upfront cash ≈ HK$2.55M (deposit + AVD stamp duty HK$138,566 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,373
−HK$993/mo
▼ 0.25% · 3.875%
HK$18,866
−HK$500/mo
Today · 4.125%
HK$19,366
baseline
▲ 0.50% · 4.625%
HK$20,387
+HK$1,021/mo
Deposit HK$2.41M · loan HK$3.62M · min. income ≈ HK$38,732/mo (50% DSR)
Upfront cash ≈ HK$2.55M (deposit + AVD stamp duty HK$138,566 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,268
−HK$1,208/mo
▼ 0.25% · 3.875%
HK$19,867
−HK$609/mo
Today · 4.125%
HK$20,476
baseline
▲ 0.50% · 4.625%
HK$21,722
+HK$1,246/mo
Deposit HK$1.81M · loan HK$4.22M · min. income ≈ HK$40,952/mo (50% DSR)
Upfront cash ≈ HK$1.95M (deposit + AVD stamp duty HK$138,566 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,435
−HK$1,159/mo
▼ 0.25% · 3.875%
HK$22,010
−HK$584/mo
Today · 4.125%
HK$22,594
baseline
▲ 0.50% · 4.625%
HK$23,784
+HK$1,190/mo
Deposit HK$1.81M · loan HK$4.22M · min. income ≈ HK$45,188/mo (50% DSR)
Upfront cash ≈ HK$1.95M (deposit + AVD stamp duty HK$138,566 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,773
−HK$1,554/mo
▼ 0.25% · 3.875%
HK$25,544
−HK$783/mo
Today · 4.125%
HK$26,327
baseline
▲ 0.50% · 4.625%
HK$27,929
+HK$1,602/mo
Deposit HK$604K · loan HK$5.43M · min. income ≈ HK$52,654/mo (50% DSR)
Upfront cash ≈ HK$742K (deposit + AVD stamp duty HK$138,566 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,560
−HK$1,489/mo
▼ 0.25% · 3.875%
HK$28,299
−HK$750/mo
Today · 4.125%
HK$29,049
baseline
▲ 0.50% · 4.625%
HK$30,580
+HK$1,531/mo
Deposit HK$604K · loan HK$5.43M · min. income ≈ HK$58,098/mo (50% DSR)
Upfront cash ≈ HK$742K (deposit + AVD stamp duty HK$138,566 · 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).