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$13,804
−HK$866/mo
▼ 0.25% · 3.875%
HK$14,233
−HK$437/mo
Today · 4.125%
HK$14,670
baseline
▲ 0.50% · 4.625%
HK$15,562
+HK$892/mo
Deposit HK$3.03M · loan HK$3.03M · min. income ≈ HK$29,340/mo (50% DSR)
Upfront cash ≈ HK$3.17M (deposit + AVD stamp duty HK$140,370 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,357
−HK$829/mo
▼ 0.25% · 3.875%
HK$15,769
−HK$417/mo
Today · 4.125%
HK$16,186
baseline
▲ 0.50% · 4.625%
HK$17,040
+HK$854/mo
Deposit HK$3.03M · loan HK$3.03M · min. income ≈ HK$32,372/mo (50% DSR)
Upfront cash ≈ HK$3.17M (deposit + AVD stamp duty HK$140,370 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,565
−HK$1,039/mo
▼ 0.25% · 3.875%
HK$17,080
−HK$524/mo
Today · 4.125%
HK$17,604
baseline
▲ 0.50% · 4.625%
HK$18,675
+HK$1,071/mo
Deposit HK$2.42M · loan HK$3.63M · min. income ≈ HK$35,208/mo (50% DSR)
Upfront cash ≈ HK$2.56M (deposit + AVD stamp duty HK$140,370 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,428
−HK$996/mo
▼ 0.25% · 3.875%
HK$18,922
−HK$502/mo
Today · 4.125%
HK$19,424
baseline
▲ 0.50% · 4.625%
HK$20,448
+HK$1,024/mo
Deposit HK$2.42M · loan HK$3.63M · min. income ≈ HK$38,848/mo (50% DSR)
Upfront cash ≈ HK$2.56M (deposit + AVD stamp duty HK$140,370 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,326
−HK$1,211/mo
▼ 0.25% · 3.875%
HK$19,927
−HK$610/mo
Today · 4.125%
HK$20,537
baseline
▲ 0.50% · 4.625%
HK$21,787
+HK$1,250/mo
Deposit HK$1.82M · loan HK$4.24M · min. income ≈ HK$41,074/mo (50% DSR)
Upfront cash ≈ HK$1.96M (deposit + AVD stamp duty HK$140,370 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,500
−HK$1,161/mo
▼ 0.25% · 3.875%
HK$22,076
−HK$585/mo
Today · 4.125%
HK$22,661
baseline
▲ 0.50% · 4.625%
HK$23,856
+HK$1,195/mo
Deposit HK$1.82M · loan HK$4.24M · min. income ≈ HK$45,322/mo (50% DSR)
Upfront cash ≈ HK$1.96M (deposit + AVD stamp duty HK$140,370 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,847
−HK$1,558/mo
▼ 0.25% · 3.875%
HK$25,620
−HK$785/mo
Today · 4.125%
HK$26,405
baseline
▲ 0.50% · 4.625%
HK$28,012
+HK$1,607/mo
Deposit HK$605K · loan HK$5.45M · min. income ≈ HK$52,810/mo (50% DSR)
Upfront cash ≈ HK$746K (deposit + AVD stamp duty HK$140,370 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,642
−HK$1,494/mo
▼ 0.25% · 3.875%
HK$28,384
−HK$752/mo
Today · 4.125%
HK$29,136
baseline
▲ 0.50% · 4.625%
HK$30,671
+HK$1,535/mo
Deposit HK$605K · loan HK$5.45M · min. income ≈ HK$58,272/mo (50% DSR)
Upfront cash ≈ HK$746K (deposit + AVD stamp duty HK$140,370 · 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).