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$13,789
−HK$865/mo
▼ 0.25% · 3.875%
HK$14,218
−HK$436/mo
Today · 4.125%
HK$14,654
baseline
▲ 0.50% · 4.625%
HK$15,545
+HK$891/mo
Deposit HK$3.02M · loan HK$3.02M · min. income ≈ HK$29,308/mo (50% DSR)
Upfront cash ≈ HK$3.16M (deposit + AVD stamp duty HK$139,714 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,340
−HK$829/mo
▼ 0.25% · 3.875%
HK$15,752
−HK$417/mo
Today · 4.125%
HK$16,169
baseline
▲ 0.50% · 4.625%
HK$17,021
+HK$852/mo
Deposit HK$3.02M · loan HK$3.02M · min. income ≈ HK$32,338/mo (50% DSR)
Upfront cash ≈ HK$3.16M (deposit + AVD stamp duty HK$139,714 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,547
−HK$1,037/mo
▼ 0.25% · 3.875%
HK$17,062
−HK$522/mo
Today · 4.125%
HK$17,584
baseline
▲ 0.50% · 4.625%
HK$18,654
+HK$1,070/mo
Deposit HK$2.42M · loan HK$3.63M · min. income ≈ HK$35,168/mo (50% DSR)
Upfront cash ≈ HK$2.56M (deposit + AVD stamp duty HK$139,714 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,408
−HK$995/mo
▼ 0.25% · 3.875%
HK$18,902
−HK$501/mo
Today · 4.125%
HK$19,403
baseline
▲ 0.50% · 4.625%
HK$20,425
+HK$1,022/mo
Deposit HK$2.42M · loan HK$3.63M · min. income ≈ HK$38,806/mo (50% DSR)
Upfront cash ≈ HK$2.56M (deposit + AVD stamp duty HK$139,714 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,305
−HK$1,210/mo
▼ 0.25% · 3.875%
HK$19,905
−HK$610/mo
Today · 4.125%
HK$20,515
baseline
▲ 0.50% · 4.625%
HK$21,763
+HK$1,248/mo
Deposit HK$1.81M · loan HK$4.23M · min. income ≈ HK$41,030/mo (50% DSR)
Upfront cash ≈ HK$1.95M (deposit + AVD stamp duty HK$139,714 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,476
−HK$1,160/mo
▼ 0.25% · 3.875%
HK$22,052
−HK$584/mo
Today · 4.125%
HK$22,636
baseline
▲ 0.50% · 4.625%
HK$23,830
+HK$1,194/mo
Deposit HK$1.81M · loan HK$4.23M · min. income ≈ HK$45,272/mo (50% DSR)
Upfront cash ≈ HK$1.95M (deposit + AVD stamp duty HK$139,714 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,820
−HK$1,557/mo
▼ 0.25% · 3.875%
HK$25,592
−HK$785/mo
Today · 4.125%
HK$26,377
baseline
▲ 0.50% · 4.625%
HK$27,982
+HK$1,605/mo
Deposit HK$605K · loan HK$5.44M · min. income ≈ HK$52,754/mo (50% DSR)
Upfront cash ≈ HK$744K (deposit + AVD stamp duty HK$139,714 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,612
−HK$1,492/mo
▼ 0.25% · 3.875%
HK$28,353
−HK$751/mo
Today · 4.125%
HK$29,104
baseline
▲ 0.50% · 4.625%
HK$30,638
+HK$1,534/mo
Deposit HK$605K · loan HK$5.44M · min. income ≈ HK$58,208/mo (50% DSR)
Upfront cash ≈ HK$744K (deposit + AVD stamp duty HK$139,714 · 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).