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$13,762
−HK$863/mo
▼ 0.25% · 3.875%
HK$14,190
−HK$435/mo
Today · 4.125%
HK$14,625
baseline
▲ 0.50% · 4.625%
HK$15,515
+HK$890/mo
Deposit HK$3.02M · loan HK$3.02M · min. income ≈ HK$29,250/mo (50% DSR)
Upfront cash ≈ HK$3.16M (deposit + AVD stamp duty HK$138,543 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,310
−HK$828/mo
▼ 0.25% · 3.875%
HK$15,721
−HK$417/mo
Today · 4.125%
HK$16,138
baseline
▲ 0.50% · 4.625%
HK$16,988
+HK$850/mo
Deposit HK$3.02M · loan HK$3.02M · min. income ≈ HK$32,276/mo (50% DSR)
Upfront cash ≈ HK$3.16M (deposit + AVD stamp duty HK$138,543 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,515
−HK$1,035/mo
▼ 0.25% · 3.875%
HK$17,028
−HK$522/mo
Today · 4.125%
HK$17,550
baseline
▲ 0.50% · 4.625%
HK$18,618
+HK$1,068/mo
Deposit HK$2.41M · loan HK$3.62M · min. income ≈ HK$35,100/mo (50% DSR)
Upfront cash ≈ HK$2.55M (deposit + AVD stamp duty HK$138,543 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,373
−HK$992/mo
▼ 0.25% · 3.875%
HK$18,865
−HK$500/mo
Today · 4.125%
HK$19,365
baseline
▲ 0.50% · 4.625%
HK$20,386
+HK$1,021/mo
Deposit HK$2.41M · loan HK$3.62M · min. income ≈ HK$38,730/mo (50% DSR)
Upfront cash ≈ HK$2.55M (deposit + AVD stamp duty HK$138,543 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,267
−HK$1,208/mo
▼ 0.25% · 3.875%
HK$19,867
−HK$608/mo
Today · 4.125%
HK$20,475
baseline
▲ 0.50% · 4.625%
HK$21,721
+HK$1,246/mo
Deposit HK$1.81M · loan HK$4.22M · min. income ≈ HK$40,950/mo (50% DSR)
Upfront cash ≈ HK$1.95M (deposit + AVD stamp duty HK$138,543 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,435
−HK$1,158/mo
▼ 0.25% · 3.875%
HK$22,009
−HK$584/mo
Today · 4.125%
HK$22,593
baseline
▲ 0.50% · 4.625%
HK$23,784
+HK$1,191/mo
Deposit HK$1.81M · loan HK$4.22M · min. income ≈ HK$45,186/mo (50% DSR)
Upfront cash ≈ HK$1.95M (deposit + AVD stamp duty HK$138,543 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,772
−HK$1,554/mo
▼ 0.25% · 3.875%
HK$25,543
−HK$783/mo
Today · 4.125%
HK$26,326
baseline
▲ 0.50% · 4.625%
HK$27,927
+HK$1,601/mo
Deposit HK$604K · loan HK$5.43M · min. income ≈ HK$52,652/mo (50% DSR)
Upfront cash ≈ HK$742K (deposit + AVD stamp duty HK$138,543 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,559
−HK$1,489/mo
▼ 0.25% · 3.875%
HK$28,298
−HK$750/mo
Today · 4.125%
HK$29,048
baseline
▲ 0.50% · 4.625%
HK$30,579
+HK$1,531/mo
Deposit HK$604K · loan HK$5.43M · min. income ≈ HK$58,096/mo (50% DSR)
Upfront cash ≈ HK$742K (deposit + AVD stamp duty HK$138,543 · 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).