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$13,809
−HK$866/mo
▼ 0.25% · 3.875%
HK$14,238
−HK$437/mo
Today · 4.125%
HK$14,675
baseline
▲ 0.50% · 4.625%
HK$15,567
+HK$892/mo
Deposit HK$3.03M · loan HK$3.03M · min. income ≈ HK$29,350/mo (50% DSR)
Upfront cash ≈ HK$3.17M (deposit + AVD stamp duty HK$140,573 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,362
−HK$830/mo
▼ 0.25% · 3.875%
HK$15,774
−HK$418/mo
Today · 4.125%
HK$16,192
baseline
▲ 0.50% · 4.625%
HK$17,045
+HK$853/mo
Deposit HK$3.03M · loan HK$3.03M · min. income ≈ HK$32,384/mo (50% DSR)
Upfront cash ≈ HK$3.17M (deposit + AVD stamp duty HK$140,573 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,570
−HK$1,039/mo
▼ 0.25% · 3.875%
HK$17,086
−HK$523/mo
Today · 4.125%
HK$17,609
baseline
▲ 0.50% · 4.625%
HK$18,681
+HK$1,072/mo
Deposit HK$2.42M · loan HK$3.63M · min. income ≈ HK$35,218/mo (50% DSR)
Upfront cash ≈ HK$2.56M (deposit + AVD stamp duty HK$140,573 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,434
−HK$996/mo
▼ 0.25% · 3.875%
HK$18,929
−HK$501/mo
Today · 4.125%
HK$19,430
baseline
▲ 0.50% · 4.625%
HK$20,454
+HK$1,024/mo
Deposit HK$2.42M · loan HK$3.63M · min. income ≈ HK$38,860/mo (50% DSR)
Upfront cash ≈ HK$2.56M (deposit + AVD stamp duty HK$140,573 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,332
−HK$1,212/mo
▼ 0.25% · 3.875%
HK$19,933
−HK$611/mo
Today · 4.125%
HK$20,544
baseline
▲ 0.50% · 4.625%
HK$21,794
+HK$1,250/mo
Deposit HK$1.82M · loan HK$4.24M · min. income ≈ HK$41,088/mo (50% DSR)
Upfront cash ≈ HK$1.96M (deposit + AVD stamp duty HK$140,573 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,507
−HK$1,162/mo
▼ 0.25% · 3.875%
HK$22,083
−HK$586/mo
Today · 4.125%
HK$22,669
baseline
▲ 0.50% · 4.625%
HK$23,864
+HK$1,195/mo
Deposit HK$1.82M · loan HK$4.24M · min. income ≈ HK$45,338/mo (50% DSR)
Upfront cash ≈ HK$1.96M (deposit + AVD stamp duty HK$140,573 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,855
−HK$1,559/mo
▼ 0.25% · 3.875%
HK$25,629
−HK$785/mo
Today · 4.125%
HK$26,414
baseline
▲ 0.50% · 4.625%
HK$28,021
+HK$1,607/mo
Deposit HK$606K · loan HK$5.45M · min. income ≈ HK$52,828/mo (50% DSR)
Upfront cash ≈ HK$746K (deposit + AVD stamp duty HK$140,573 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,651
−HK$1,494/mo
▼ 0.25% · 3.875%
HK$28,393
−HK$752/mo
Today · 4.125%
HK$29,145
baseline
▲ 0.50% · 4.625%
HK$30,682
+HK$1,537/mo
Deposit HK$606K · loan HK$5.45M · min. income ≈ HK$58,290/mo (50% DSR)
Upfront cash ≈ HK$746K (deposit + AVD stamp duty HK$140,573 · 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).