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$13,790
−HK$865/mo
▼ 0.25% · 3.875%
HK$14,219
−HK$436/mo
Today · 4.125%
HK$14,655
baseline
▲ 0.50% · 4.625%
HK$15,547
+HK$892/mo
Deposit HK$3.02M · loan HK$3.02M · min. income ≈ HK$29,310/mo (50% DSR)
Upfront cash ≈ HK$3.16M (deposit + AVD stamp duty HK$139,776 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,342
−HK$829/mo
▼ 0.25% · 3.875%
HK$15,753
−HK$418/mo
Today · 4.125%
HK$16,171
baseline
▲ 0.50% · 4.625%
HK$17,023
+HK$852/mo
Deposit HK$3.02M · loan HK$3.02M · min. income ≈ HK$32,342/mo (50% DSR)
Upfront cash ≈ HK$3.16M (deposit + AVD stamp duty HK$139,776 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,549
−HK$1,037/mo
▼ 0.25% · 3.875%
HK$17,063
−HK$523/mo
Today · 4.125%
HK$17,586
baseline
▲ 0.50% · 4.625%
HK$18,656
+HK$1,070/mo
Deposit HK$2.42M · loan HK$3.63M · min. income ≈ HK$35,172/mo (50% DSR)
Upfront cash ≈ HK$2.56M (deposit + AVD stamp duty HK$139,776 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,410
−HK$995/mo
▼ 0.25% · 3.875%
HK$18,904
−HK$501/mo
Today · 4.125%
HK$19,405
baseline
▲ 0.50% · 4.625%
HK$20,428
+HK$1,023/mo
Deposit HK$2.42M · loan HK$3.63M · min. income ≈ HK$38,810/mo (50% DSR)
Upfront cash ≈ HK$2.56M (deposit + AVD stamp duty HK$139,776 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,307
−HK$1,210/mo
▼ 0.25% · 3.875%
HK$19,907
−HK$610/mo
Today · 4.125%
HK$20,517
baseline
▲ 0.50% · 4.625%
HK$21,766
+HK$1,249/mo
Deposit HK$1.81M · loan HK$4.23M · min. income ≈ HK$41,034/mo (50% DSR)
Upfront cash ≈ HK$1.95M (deposit + AVD stamp duty HK$139,776 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,478
−HK$1,161/mo
▼ 0.25% · 3.875%
HK$22,054
−HK$585/mo
Today · 4.125%
HK$22,639
baseline
▲ 0.50% · 4.625%
HK$23,832
+HK$1,193/mo
Deposit HK$1.81M · loan HK$4.23M · min. income ≈ HK$45,278/mo (50% DSR)
Upfront cash ≈ HK$1.95M (deposit + AVD stamp duty HK$139,776 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,823
−HK$1,556/mo
▼ 0.25% · 3.875%
HK$25,595
−HK$784/mo
Today · 4.125%
HK$26,379
baseline
▲ 0.50% · 4.625%
HK$27,985
+HK$1,606/mo
Deposit HK$605K · loan HK$5.44M · min. income ≈ HK$52,758/mo (50% DSR)
Upfront cash ≈ HK$745K (deposit + AVD stamp duty HK$139,776 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,615
−HK$1,492/mo
▼ 0.25% · 3.875%
HK$28,356
−HK$751/mo
Today · 4.125%
HK$29,107
baseline
▲ 0.50% · 4.625%
HK$30,641
+HK$1,534/mo
Deposit HK$605K · loan HK$5.44M · min. income ≈ HK$58,214/mo (50% DSR)
Upfront cash ≈ HK$745K (deposit + AVD stamp duty HK$139,776 · 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).