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$13,774
−HK$863/mo
▼ 0.25% · 3.875%
HK$14,202
−HK$435/mo
Today · 4.125%
HK$14,637
baseline
▲ 0.50% · 4.625%
HK$15,528
+HK$891/mo
Deposit HK$3.02M · loan HK$3.02M · min. income ≈ HK$29,274/mo (50% DSR)
Upfront cash ≈ HK$3.16M (deposit + AVD stamp duty HK$139,037 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,323
−HK$828/mo
▼ 0.25% · 3.875%
HK$15,734
−HK$417/mo
Today · 4.125%
HK$16,151
baseline
▲ 0.50% · 4.625%
HK$17,002
+HK$851/mo
Deposit HK$3.02M · loan HK$3.02M · min. income ≈ HK$32,302/mo (50% DSR)
Upfront cash ≈ HK$3.16M (deposit + AVD stamp duty HK$139,037 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,528
−HK$1,037/mo
▼ 0.25% · 3.875%
HK$17,042
−HK$523/mo
Today · 4.125%
HK$17,565
baseline
▲ 0.50% · 4.625%
HK$18,634
+HK$1,069/mo
Deposit HK$2.42M · loan HK$3.62M · min. income ≈ HK$35,130/mo (50% DSR)
Upfront cash ≈ HK$2.56M (deposit + AVD stamp duty HK$139,037 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,388
−HK$993/mo
▼ 0.25% · 3.875%
HK$18,881
−HK$500/mo
Today · 4.125%
HK$19,381
baseline
▲ 0.50% · 4.625%
HK$20,403
+HK$1,022/mo
Deposit HK$2.42M · loan HK$3.62M · min. income ≈ HK$38,762/mo (50% DSR)
Upfront cash ≈ HK$2.56M (deposit + AVD stamp duty HK$139,037 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,283
−HK$1,209/mo
▼ 0.25% · 3.875%
HK$19,883
−HK$609/mo
Today · 4.125%
HK$20,492
baseline
▲ 0.50% · 4.625%
HK$21,739
+HK$1,247/mo
Deposit HK$1.81M · loan HK$4.23M · min. income ≈ HK$40,984/mo (50% DSR)
Upfront cash ≈ HK$1.95M (deposit + AVD stamp duty HK$139,037 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,452
−HK$1,159/mo
▼ 0.25% · 3.875%
HK$22,027
−HK$584/mo
Today · 4.125%
HK$22,611
baseline
▲ 0.50% · 4.625%
HK$23,803
+HK$1,192/mo
Deposit HK$1.81M · loan HK$4.23M · min. income ≈ HK$45,222/mo (50% DSR)
Upfront cash ≈ HK$1.95M (deposit + AVD stamp duty HK$139,037 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,792
−HK$1,555/mo
▼ 0.25% · 3.875%
HK$25,564
−HK$783/mo
Today · 4.125%
HK$26,347
baseline
▲ 0.50% · 4.625%
HK$27,950
+HK$1,603/mo
Deposit HK$604K · loan HK$5.44M · min. income ≈ HK$52,694/mo (50% DSR)
Upfront cash ≈ HK$743K (deposit + AVD stamp duty HK$139,037 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,581
−HK$1,490/mo
▼ 0.25% · 3.875%
HK$28,321
−HK$750/mo
Today · 4.125%
HK$29,071
baseline
▲ 0.50% · 4.625%
HK$30,604
+HK$1,533/mo
Deposit HK$604K · loan HK$5.44M · min. income ≈ HK$58,142/mo (50% DSR)
Upfront cash ≈ HK$743K (deposit + AVD stamp duty HK$139,037 · 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).