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$13,791
−HK$865/mo
▼ 0.25% · 3.875%
HK$14,220
−HK$436/mo
Today · 4.125%
HK$14,656
baseline
▲ 0.50% · 4.625%
HK$15,548
+HK$892/mo
Deposit HK$3.02M · loan HK$3.02M · min. income ≈ HK$29,312/mo (50% DSR)
Upfront cash ≈ HK$3.16M (deposit + AVD stamp duty HK$139,808 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,343
−HK$828/mo
▼ 0.25% · 3.875%
HK$15,754
−HK$417/mo
Today · 4.125%
HK$16,171
baseline
▲ 0.50% · 4.625%
HK$17,024
+HK$853/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$139,808 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,549
−HK$1,038/mo
▼ 0.25% · 3.875%
HK$17,064
−HK$523/mo
Today · 4.125%
HK$17,587
baseline
▲ 0.50% · 4.625%
HK$18,657
+HK$1,070/mo
Deposit HK$2.42M · loan HK$3.63M · min. income ≈ HK$35,174/mo (50% DSR)
Upfront cash ≈ HK$2.56M (deposit + AVD stamp duty HK$139,808 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,411
−HK$995/mo
▼ 0.25% · 3.875%
HK$18,905
−HK$501/mo
Today · 4.125%
HK$19,406
baseline
▲ 0.50% · 4.625%
HK$20,429
+HK$1,023/mo
Deposit HK$2.42M · loan HK$3.63M · min. income ≈ HK$38,812/mo (50% DSR)
Upfront cash ≈ HK$2.56M (deposit + AVD stamp duty HK$139,808 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,308
−HK$1,210/mo
▼ 0.25% · 3.875%
HK$19,908
−HK$610/mo
Today · 4.125%
HK$20,518
baseline
▲ 0.50% · 4.625%
HK$21,767
+HK$1,249/mo
Deposit HK$1.81M · loan HK$4.23M · min. income ≈ HK$41,036/mo (50% DSR)
Upfront cash ≈ HK$1.95M (deposit + AVD stamp duty HK$139,808 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,480
−HK$1,160/mo
▼ 0.25% · 3.875%
HK$22,056
−HK$584/mo
Today · 4.125%
HK$22,640
baseline
▲ 0.50% · 4.625%
HK$23,833
+HK$1,193/mo
Deposit HK$1.81M · loan HK$4.23M · min. income ≈ HK$45,280/mo (50% DSR)
Upfront cash ≈ HK$1.95M (deposit + AVD stamp duty HK$139,808 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,824
−HK$1,557/mo
▼ 0.25% · 3.875%
HK$25,596
−HK$785/mo
Today · 4.125%
HK$26,381
baseline
▲ 0.50% · 4.625%
HK$27,986
+HK$1,605/mo
Deposit HK$605K · loan HK$5.44M · min. income ≈ HK$52,762/mo (50% DSR)
Upfront cash ≈ HK$745K (deposit + AVD stamp duty HK$139,808 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,617
−HK$1,492/mo
▼ 0.25% · 3.875%
HK$28,357
−HK$752/mo
Today · 4.125%
HK$29,109
baseline
▲ 0.50% · 4.625%
HK$30,643
+HK$1,534/mo
Deposit HK$605K · loan HK$5.44M · min. income ≈ HK$58,218/mo (50% DSR)
Upfront cash ≈ HK$745K (deposit + AVD stamp duty HK$139,808 · 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).