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$13,793
−HK$865/mo
▼ 0.25% · 3.875%
HK$14,222
−HK$436/mo
Today · 4.125%
HK$14,658
baseline
▲ 0.50% · 4.625%
HK$15,550
+HK$892/mo
Deposit HK$3.02M · loan HK$3.02M · min. income ≈ HK$29,316/mo (50% DSR)
Upfront cash ≈ HK$3.16M (deposit + AVD stamp duty HK$139,888 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,345
−HK$829/mo
▼ 0.25% · 3.875%
HK$15,756
−HK$418/mo
Today · 4.125%
HK$16,174
baseline
▲ 0.50% · 4.625%
HK$17,026
+HK$852/mo
Deposit HK$3.02M · loan HK$3.02M · min. income ≈ HK$32,348/mo (50% DSR)
Upfront cash ≈ HK$3.16M (deposit + AVD stamp duty HK$139,888 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,552
−HK$1,038/mo
▼ 0.25% · 3.875%
HK$17,066
−HK$524/mo
Today · 4.125%
HK$17,590
baseline
▲ 0.50% · 4.625%
HK$18,660
+HK$1,070/mo
Deposit HK$2.42M · loan HK$3.63M · min. income ≈ HK$35,180/mo (50% DSR)
Upfront cash ≈ HK$2.56M (deposit + AVD stamp duty HK$139,888 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,413
−HK$995/mo
▼ 0.25% · 3.875%
HK$18,907
−HK$501/mo
Today · 4.125%
HK$19,408
baseline
▲ 0.50% · 4.625%
HK$20,431
+HK$1,023/mo
Deposit HK$2.42M · loan HK$3.63M · min. income ≈ HK$38,816/mo (50% DSR)
Upfront cash ≈ HK$2.56M (deposit + AVD stamp duty HK$139,888 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,310
−HK$1,211/mo
▼ 0.25% · 3.875%
HK$19,911
−HK$610/mo
Today · 4.125%
HK$20,521
baseline
▲ 0.50% · 4.625%
HK$21,770
+HK$1,249/mo
Deposit HK$1.81M · loan HK$4.23M · min. income ≈ HK$41,042/mo (50% DSR)
Upfront cash ≈ HK$1.95M (deposit + AVD stamp duty HK$139,888 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,482
−HK$1,161/mo
▼ 0.25% · 3.875%
HK$22,059
−HK$584/mo
Today · 4.125%
HK$22,643
baseline
▲ 0.50% · 4.625%
HK$23,837
+HK$1,194/mo
Deposit HK$1.81M · loan HK$4.23M · min. income ≈ HK$45,286/mo (50% DSR)
Upfront cash ≈ HK$1.95M (deposit + AVD stamp duty HK$139,888 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,827
−HK$1,557/mo
▼ 0.25% · 3.875%
HK$25,600
−HK$784/mo
Today · 4.125%
HK$26,384
baseline
▲ 0.50% · 4.625%
HK$27,990
+HK$1,606/mo
Deposit HK$605K · loan HK$5.44M · min. income ≈ HK$52,768/mo (50% DSR)
Upfront cash ≈ HK$745K (deposit + AVD stamp duty HK$139,888 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,620
−HK$1,492/mo
▼ 0.25% · 3.875%
HK$28,361
−HK$751/mo
Today · 4.125%
HK$29,112
baseline
▲ 0.50% · 4.625%
HK$30,647
+HK$1,535/mo
Deposit HK$605K · loan HK$5.44M · min. income ≈ HK$58,224/mo (50% DSR)
Upfront cash ≈ HK$745K (deposit + AVD stamp duty HK$139,888 · 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).