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$13,785
−HK$864/mo
▼ 0.25% · 3.875%
HK$14,213
−HK$436/mo
Today · 4.125%
HK$14,649
baseline
▲ 0.50% · 4.625%
HK$15,540
+HK$891/mo
Deposit HK$3.02M · loan HK$3.02M · min. income ≈ HK$29,298/mo (50% DSR)
Upfront cash ≈ HK$3.16M (deposit + AVD stamp duty HK$139,520 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,335
−HK$829/mo
▼ 0.25% · 3.875%
HK$15,747
−HK$417/mo
Today · 4.125%
HK$16,164
baseline
▲ 0.50% · 4.625%
HK$17,016
+HK$852/mo
Deposit HK$3.02M · loan HK$3.02M · min. income ≈ HK$32,328/mo (50% DSR)
Upfront cash ≈ HK$3.16M (deposit + AVD stamp duty HK$139,520 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,542
−HK$1,037/mo
▼ 0.25% · 3.875%
HK$17,056
−HK$523/mo
Today · 4.125%
HK$17,579
baseline
▲ 0.50% · 4.625%
HK$18,648
+HK$1,069/mo
Deposit HK$2.42M · loan HK$3.63M · min. income ≈ HK$35,158/mo (50% DSR)
Upfront cash ≈ HK$2.56M (deposit + AVD stamp duty HK$139,520 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,402
−HK$994/mo
▼ 0.25% · 3.875%
HK$18,896
−HK$500/mo
Today · 4.125%
HK$19,396
baseline
▲ 0.50% · 4.625%
HK$20,419
+HK$1,023/mo
Deposit HK$2.42M · loan HK$3.63M · min. income ≈ HK$38,792/mo (50% DSR)
Upfront cash ≈ HK$2.56M (deposit + AVD stamp duty HK$139,520 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,298
−HK$1,211/mo
▼ 0.25% · 3.875%
HK$19,899
−HK$610/mo
Today · 4.125%
HK$20,509
baseline
▲ 0.50% · 4.625%
HK$21,757
+HK$1,248/mo
Deposit HK$1.81M · loan HK$4.23M · min. income ≈ HK$41,018/mo (50% DSR)
Upfront cash ≈ HK$1.95M (deposit + AVD stamp duty HK$139,520 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,469
−HK$1,160/mo
▼ 0.25% · 3.875%
HK$22,045
−HK$584/mo
Today · 4.125%
HK$22,629
baseline
▲ 0.50% · 4.625%
HK$23,822
+HK$1,193/mo
Deposit HK$1.81M · loan HK$4.23M · min. income ≈ HK$45,258/mo (50% DSR)
Upfront cash ≈ HK$1.95M (deposit + AVD stamp duty HK$139,520 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,812
−HK$1,556/mo
▼ 0.25% · 3.875%
HK$25,584
−HK$784/mo
Today · 4.125%
HK$26,368
baseline
▲ 0.50% · 4.625%
HK$27,973
+HK$1,605/mo
Deposit HK$605K · loan HK$5.44M · min. income ≈ HK$52,736/mo (50% DSR)
Upfront cash ≈ HK$744K (deposit + AVD stamp duty HK$139,520 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,603
−HK$1,492/mo
▼ 0.25% · 3.875%
HK$28,344
−HK$751/mo
Today · 4.125%
HK$29,095
baseline
▲ 0.50% · 4.625%
HK$30,628
+HK$1,533/mo
Deposit HK$605K · loan HK$5.44M · min. income ≈ HK$58,190/mo (50% DSR)
Upfront cash ≈ HK$744K (deposit + AVD stamp duty HK$139,520 · 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).