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$864/mo
▼ 0.25% · 3.875%
HK$14,220
−HK$435/mo
Today · 4.125%
HK$14,655
baseline
▲ 0.50% · 4.625%
HK$15,547
+HK$892/mo
Deposit HK$3.02M · loan HK$3.02M · min. income ≈ HK$29,310/mo (50% DSR)
Upfront cash ≈ HK$3.16M (deposit + AVD stamp duty HK$139,785 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,342
−HK$829/mo
▼ 0.25% · 3.875%
HK$15,753
−HK$418/mo
Today · 4.125%
HK$16,171
baseline
▲ 0.50% · 4.625%
HK$17,023
+HK$852/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$139,785 · 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$139,785 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,410
−HK$995/mo
▼ 0.25% · 3.875%
HK$18,904
−HK$501/mo
Today · 4.125%
HK$19,405
baseline
▲ 0.50% · 4.625%
HK$20,428
+HK$1,023/mo
Deposit HK$2.42M · loan HK$3.63M · min. income ≈ HK$38,810/mo (50% DSR)
Upfront cash ≈ HK$2.56M (deposit + AVD stamp duty HK$139,785 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,307
−HK$1,211/mo
▼ 0.25% · 3.875%
HK$19,907
−HK$611/mo
Today · 4.125%
HK$20,518
baseline
▲ 0.50% · 4.625%
HK$21,766
+HK$1,248/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$139,785 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,479
−HK$1,160/mo
▼ 0.25% · 3.875%
HK$22,055
−HK$584/mo
Today · 4.125%
HK$22,639
baseline
▲ 0.50% · 4.625%
HK$23,833
+HK$1,194/mo
Deposit HK$1.81M · loan HK$4.23M · min. income ≈ HK$45,278/mo (50% DSR)
Upfront cash ≈ HK$1.95M (deposit + AVD stamp duty HK$139,785 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,823
−HK$1,557/mo
▼ 0.25% · 3.875%
HK$25,595
−HK$785/mo
Today · 4.125%
HK$26,380
baseline
▲ 0.50% · 4.625%
HK$27,985
+HK$1,605/mo
Deposit HK$605K · loan HK$5.44M · min. income ≈ HK$52,760/mo (50% DSR)
Upfront cash ≈ HK$745K (deposit + AVD stamp duty HK$139,785 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,616
−HK$1,492/mo
▼ 0.25% · 3.875%
HK$28,356
−HK$752/mo
Today · 4.125%
HK$29,108
baseline
▲ 0.50% · 4.625%
HK$30,642
+HK$1,534/mo
Deposit HK$605K · loan HK$5.44M · min. income ≈ HK$58,216/mo (50% DSR)
Upfront cash ≈ HK$745K (deposit + AVD stamp duty HK$139,785 · 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).