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$13,778
−HK$864/mo
▼ 0.25% · 3.875%
HK$14,207
−HK$435/mo
Today · 4.125%
HK$14,642
baseline
▲ 0.50% · 4.625%
HK$15,533
+HK$891/mo
Deposit HK$3.02M · loan HK$3.02M · min. income ≈ HK$29,284/mo (50% DSR)
Upfront cash ≈ HK$3.16M (deposit + AVD stamp duty HK$139,230 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,328
−HK$828/mo
▼ 0.25% · 3.875%
HK$15,739
−HK$417/mo
Today · 4.125%
HK$16,156
baseline
▲ 0.50% · 4.625%
HK$17,008
+HK$852/mo
Deposit HK$3.02M · loan HK$3.02M · min. income ≈ HK$32,312/mo (50% DSR)
Upfront cash ≈ HK$3.16M (deposit + AVD stamp duty HK$139,230 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,534
−HK$1,036/mo
▼ 0.25% · 3.875%
HK$17,048
−HK$522/mo
Today · 4.125%
HK$17,570
baseline
▲ 0.50% · 4.625%
HK$18,640
+HK$1,070/mo
Deposit HK$2.42M · loan HK$3.63M · min. income ≈ HK$35,140/mo (50% DSR)
Upfront cash ≈ HK$2.56M (deposit + AVD stamp duty HK$139,230 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,393
−HK$994/mo
▼ 0.25% · 3.875%
HK$18,887
−HK$500/mo
Today · 4.125%
HK$19,387
baseline
▲ 0.50% · 4.625%
HK$20,409
+HK$1,022/mo
Deposit HK$2.42M · loan HK$3.63M · min. income ≈ HK$38,774/mo (50% DSR)
Upfront cash ≈ HK$2.56M (deposit + AVD stamp duty HK$139,230 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,289
−HK$1,210/mo
▼ 0.25% · 3.875%
HK$19,889
−HK$610/mo
Today · 4.125%
HK$20,499
baseline
▲ 0.50% · 4.625%
HK$21,746
+HK$1,247/mo
Deposit HK$1.81M · loan HK$4.23M · min. income ≈ HK$40,998/mo (50% DSR)
Upfront cash ≈ HK$1.95M (deposit + AVD stamp duty HK$139,230 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,459
−HK$1,159/mo
▼ 0.25% · 3.875%
HK$22,035
−HK$583/mo
Today · 4.125%
HK$22,618
baseline
▲ 0.50% · 4.625%
HK$23,811
+HK$1,193/mo
Deposit HK$1.81M · loan HK$4.23M · min. income ≈ HK$45,236/mo (50% DSR)
Upfront cash ≈ HK$1.95M (deposit + AVD stamp duty HK$139,230 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,800
−HK$1,556/mo
▼ 0.25% · 3.875%
HK$25,572
−HK$784/mo
Today · 4.125%
HK$26,356
baseline
▲ 0.50% · 4.625%
HK$27,959
+HK$1,603/mo
Deposit HK$604K · loan HK$5.44M · min. income ≈ HK$52,712/mo (50% DSR)
Upfront cash ≈ HK$743K (deposit + AVD stamp duty HK$139,230 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,590
−HK$1,491/mo
▼ 0.25% · 3.875%
HK$28,330
−HK$751/mo
Today · 4.125%
HK$29,081
baseline
▲ 0.50% · 4.625%
HK$30,614
+HK$1,533/mo
Deposit HK$604K · loan HK$5.44M · min. income ≈ HK$58,162/mo (50% DSR)
Upfront cash ≈ HK$743K (deposit + AVD stamp duty HK$139,230 · 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).