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$13,817
−HK$866/mo
▼ 0.25% · 3.875%
HK$14,247
−HK$436/mo
Today · 4.125%
HK$14,683
baseline
▲ 0.50% · 4.625%
HK$15,577
+HK$894/mo
Deposit HK$3.03M · loan HK$3.03M · min. income ≈ HK$29,366/mo (50% DSR)
Upfront cash ≈ HK$3.17M (deposit + AVD stamp duty HK$140,942 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,371
−HK$831/mo
▼ 0.25% · 3.875%
HK$15,784
−HK$418/mo
Today · 4.125%
HK$16,202
baseline
▲ 0.50% · 4.625%
HK$17,056
+HK$854/mo
Deposit HK$3.03M · loan HK$3.03M · min. income ≈ HK$32,404/mo (50% DSR)
Upfront cash ≈ HK$3.17M (deposit + AVD stamp duty HK$140,942 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,580
−HK$1,040/mo
▼ 0.25% · 3.875%
HK$17,096
−HK$524/mo
Today · 4.125%
HK$17,620
baseline
▲ 0.50% · 4.625%
HK$18,692
+HK$1,072/mo
Deposit HK$2.42M · loan HK$3.64M · min. income ≈ HK$35,240/mo (50% DSR)
Upfront cash ≈ HK$2.56M (deposit + AVD stamp duty HK$140,942 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,446
−HK$996/mo
▼ 0.25% · 3.875%
HK$18,940
−HK$502/mo
Today · 4.125%
HK$19,442
baseline
▲ 0.50% · 4.625%
HK$20,467
+HK$1,025/mo
Deposit HK$2.42M · loan HK$3.64M · min. income ≈ HK$38,884/mo (50% DSR)
Upfront cash ≈ HK$2.56M (deposit + AVD stamp duty HK$140,942 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,344
−HK$1,213/mo
▼ 0.25% · 3.875%
HK$19,946
−HK$611/mo
Today · 4.125%
HK$20,557
baseline
▲ 0.50% · 4.625%
HK$21,808
+HK$1,251/mo
Deposit HK$1.82M · loan HK$4.24M · min. income ≈ HK$41,114/mo (50% DSR)
Upfront cash ≈ HK$1.96M (deposit + AVD stamp duty HK$140,942 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,520
−HK$1,162/mo
▼ 0.25% · 3.875%
HK$22,097
−HK$585/mo
Today · 4.125%
HK$22,682
baseline
▲ 0.50% · 4.625%
HK$23,878
+HK$1,196/mo
Deposit HK$1.82M · loan HK$4.24M · min. income ≈ HK$45,364/mo (50% DSR)
Upfront cash ≈ HK$1.96M (deposit + AVD stamp duty HK$140,942 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,871
−HK$1,559/mo
▼ 0.25% · 3.875%
HK$25,644
−HK$786/mo
Today · 4.125%
HK$26,430
baseline
▲ 0.50% · 4.625%
HK$28,038
+HK$1,608/mo
Deposit HK$606K · loan HK$5.45M · min. income ≈ HK$52,860/mo (50% DSR)
Upfront cash ≈ HK$747K (deposit + AVD stamp duty HK$140,942 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,668
−HK$1,495/mo
▼ 0.25% · 3.875%
HK$28,410
−HK$753/mo
Today · 4.125%
HK$29,163
baseline
▲ 0.50% · 4.625%
HK$30,700
+HK$1,537/mo
Deposit HK$606K · loan HK$5.45M · min. income ≈ HK$58,326/mo (50% DSR)
Upfront cash ≈ HK$747K (deposit + AVD stamp duty HK$140,942 · 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).