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$13,811
−HK$866/mo
▼ 0.25% · 3.875%
HK$14,240
−HK$437/mo
Today · 4.125%
HK$14,677
baseline
▲ 0.50% · 4.625%
HK$15,570
+HK$893/mo
Deposit HK$3.03M · loan HK$3.03M · min. income ≈ HK$29,354/mo (50% DSR)
Upfront cash ≈ HK$3.17M (deposit + AVD stamp duty HK$140,659 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,364
−HK$830/mo
▼ 0.25% · 3.875%
HK$15,776
−HK$418/mo
Today · 4.125%
HK$16,194
baseline
▲ 0.50% · 4.625%
HK$17,048
+HK$854/mo
Deposit HK$3.03M · loan HK$3.03M · min. income ≈ HK$32,388/mo (50% DSR)
Upfront cash ≈ HK$3.17M (deposit + AVD stamp duty HK$140,659 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,573
−HK$1,039/mo
▼ 0.25% · 3.875%
HK$17,088
−HK$524/mo
Today · 4.125%
HK$17,612
baseline
▲ 0.50% · 4.625%
HK$18,684
+HK$1,072/mo
Deposit HK$2.42M · loan HK$3.63M · min. income ≈ HK$35,224/mo (50% DSR)
Upfront cash ≈ HK$2.56M (deposit + AVD stamp duty HK$140,659 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,437
−HK$996/mo
▼ 0.25% · 3.875%
HK$18,931
−HK$502/mo
Today · 4.125%
HK$19,433
baseline
▲ 0.50% · 4.625%
HK$20,457
+HK$1,024/mo
Deposit HK$2.42M · loan HK$3.63M · min. income ≈ HK$38,866/mo (50% DSR)
Upfront cash ≈ HK$2.56M (deposit + AVD stamp duty HK$140,659 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,335
−HK$1,212/mo
▼ 0.25% · 3.875%
HK$19,936
−HK$611/mo
Today · 4.125%
HK$20,547
baseline
▲ 0.50% · 4.625%
HK$21,798
+HK$1,251/mo
Deposit HK$1.82M · loan HK$4.24M · min. income ≈ HK$41,094/mo (50% DSR)
Upfront cash ≈ HK$1.96M (deposit + AVD stamp duty HK$140,659 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,510
−HK$1,162/mo
▼ 0.25% · 3.875%
HK$22,087
−HK$585/mo
Today · 4.125%
HK$22,672
baseline
▲ 0.50% · 4.625%
HK$23,867
+HK$1,195/mo
Deposit HK$1.82M · loan HK$4.24M · min. income ≈ HK$45,344/mo (50% DSR)
Upfront cash ≈ HK$1.96M (deposit + AVD stamp duty HK$140,659 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,859
−HK$1,559/mo
▼ 0.25% · 3.875%
HK$25,632
−HK$786/mo
Today · 4.125%
HK$26,418
baseline
▲ 0.50% · 4.625%
HK$28,025
+HK$1,607/mo
Deposit HK$606K · loan HK$5.45M · min. income ≈ HK$52,836/mo (50% DSR)
Upfront cash ≈ HK$746K (deposit + AVD stamp duty HK$140,659 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,655
−HK$1,495/mo
▼ 0.25% · 3.875%
HK$28,397
−HK$753/mo
Today · 4.125%
HK$29,150
baseline
▲ 0.50% · 4.625%
HK$30,686
+HK$1,536/mo
Deposit HK$606K · loan HK$5.45M · min. income ≈ HK$58,300/mo (50% DSR)
Upfront cash ≈ HK$746K (deposit + AVD stamp duty HK$140,659 · 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).