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$13,802
−HK$865/mo
▼ 0.25% · 3.875%
HK$14,231
−HK$436/mo
Today · 4.125%
HK$14,667
baseline
▲ 0.50% · 4.625%
HK$15,560
+HK$893/mo
Deposit HK$3.03M · loan HK$3.03M · min. income ≈ HK$29,334/mo (50% DSR)
Upfront cash ≈ HK$3.17M (deposit + AVD stamp duty HK$140,272 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,354
−HK$830/mo
▼ 0.25% · 3.875%
HK$15,766
−HK$418/mo
Today · 4.125%
HK$16,184
baseline
▲ 0.50% · 4.625%
HK$17,037
+HK$853/mo
Deposit HK$3.03M · loan HK$3.03M · min. income ≈ HK$32,368/mo (50% DSR)
Upfront cash ≈ HK$3.17M (deposit + AVD stamp duty HK$140,272 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,562
−HK$1,039/mo
▼ 0.25% · 3.875%
HK$17,077
−HK$524/mo
Today · 4.125%
HK$17,601
baseline
▲ 0.50% · 4.625%
HK$18,672
+HK$1,071/mo
Deposit HK$2.42M · loan HK$3.63M · min. income ≈ HK$35,202/mo (50% DSR)
Upfront cash ≈ HK$2.56M (deposit + AVD stamp duty HK$140,272 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,425
−HK$996/mo
▼ 0.25% · 3.875%
HK$18,919
−HK$502/mo
Today · 4.125%
HK$19,421
baseline
▲ 0.50% · 4.625%
HK$20,444
+HK$1,023/mo
Deposit HK$2.42M · loan HK$3.63M · min. income ≈ HK$38,842/mo (50% DSR)
Upfront cash ≈ HK$2.56M (deposit + AVD stamp duty HK$140,272 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,322
−HK$1,212/mo
▼ 0.25% · 3.875%
HK$19,923
−HK$611/mo
Today · 4.125%
HK$20,534
baseline
▲ 0.50% · 4.625%
HK$21,784
+HK$1,250/mo
Deposit HK$1.82M · loan HK$4.24M · min. income ≈ HK$41,068/mo (50% DSR)
Upfront cash ≈ HK$1.96M (deposit + AVD stamp duty HK$140,272 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,496
−HK$1,161/mo
▼ 0.25% · 3.875%
HK$22,073
−HK$584/mo
Today · 4.125%
HK$22,657
baseline
▲ 0.50% · 4.625%
HK$23,852
+HK$1,195/mo
Deposit HK$1.82M · loan HK$4.24M · min. income ≈ HK$45,314/mo (50% DSR)
Upfront cash ≈ HK$1.96M (deposit + AVD stamp duty HK$140,272 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,843
−HK$1,558/mo
▼ 0.25% · 3.875%
HK$25,616
−HK$785/mo
Today · 4.125%
HK$26,401
baseline
▲ 0.50% · 4.625%
HK$28,007
+HK$1,606/mo
Deposit HK$605K · loan HK$5.45M · min. income ≈ HK$52,802/mo (50% DSR)
Upfront cash ≈ HK$746K (deposit + AVD stamp duty HK$140,272 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,638
−HK$1,493/mo
▼ 0.25% · 3.875%
HK$28,379
−HK$752/mo
Today · 4.125%
HK$29,131
baseline
▲ 0.50% · 4.625%
HK$30,666
+HK$1,535/mo
Deposit HK$605K · loan HK$5.45M · min. income ≈ HK$58,262/mo (50% DSR)
Upfront cash ≈ HK$746K (deposit + AVD stamp duty HK$140,272 · 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).