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$13,841
−HK$868/mo
▼ 0.25% · 3.875%
HK$14,272
−HK$437/mo
Today · 4.125%
HK$14,709
baseline
▲ 0.50% · 4.625%
HK$15,604
+HK$895/mo
Deposit HK$3.04M · loan HK$3.04M · min. income ≈ HK$29,418/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$142,006 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,398
−HK$832/mo
▼ 0.25% · 3.875%
HK$15,811
−HK$419/mo
Today · 4.125%
HK$16,230
baseline
▲ 0.50% · 4.625%
HK$17,086
+HK$856/mo
Deposit HK$3.04M · loan HK$3.04M · min. income ≈ HK$32,460/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$142,006 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,610
−HK$1,041/mo
▼ 0.25% · 3.875%
HK$17,126
−HK$525/mo
Today · 4.125%
HK$17,651
baseline
▲ 0.50% · 4.625%
HK$18,725
+HK$1,074/mo
Deposit HK$2.43M · loan HK$3.64M · min. income ≈ HK$35,302/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$142,006 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,478
−HK$998/mo
▼ 0.25% · 3.875%
HK$18,974
−HK$502/mo
Today · 4.125%
HK$19,476
baseline
▲ 0.50% · 4.625%
HK$20,503
+HK$1,027/mo
Deposit HK$2.43M · loan HK$3.64M · min. income ≈ HK$38,952/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$142,006 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,378
−HK$1,215/mo
▼ 0.25% · 3.875%
HK$19,981
−HK$612/mo
Today · 4.125%
HK$20,593
baseline
▲ 0.50% · 4.625%
HK$21,846
+HK$1,253/mo
Deposit HK$1.82M · loan HK$4.25M · min. income ≈ HK$41,186/mo (50% DSR)
Upfront cash ≈ HK$1.96M (deposit + AVD stamp duty HK$142,006 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,558
−HK$1,164/mo
▼ 0.25% · 3.875%
HK$22,136
−HK$586/mo
Today · 4.125%
HK$22,722
baseline
▲ 0.50% · 4.625%
HK$23,920
+HK$1,198/mo
Deposit HK$1.82M · loan HK$4.25M · min. income ≈ HK$45,444/mo (50% DSR)
Upfront cash ≈ HK$1.96M (deposit + AVD stamp duty HK$142,006 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,914
−HK$1,563/mo
▼ 0.25% · 3.875%
HK$25,689
−HK$788/mo
Today · 4.125%
HK$26,477
baseline
▲ 0.50% · 4.625%
HK$28,088
+HK$1,611/mo
Deposit HK$607K · loan HK$5.46M · min. income ≈ HK$52,954/mo (50% DSR)
Upfront cash ≈ HK$749K (deposit + AVD stamp duty HK$142,006 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,717
−HK$1,497/mo
▼ 0.25% · 3.875%
HK$28,460
−HK$754/mo
Today · 4.125%
HK$29,214
baseline
▲ 0.50% · 4.625%
HK$30,754
+HK$1,540/mo
Deposit HK$607K · loan HK$5.46M · min. income ≈ HK$58,428/mo (50% DSR)
Upfront cash ≈ HK$749K (deposit + AVD stamp duty HK$142,006 · 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).