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$13,767
−HK$863/mo
▼ 0.25% · 3.875%
HK$14,195
−HK$435/mo
Today · 4.125%
HK$14,630
baseline
▲ 0.50% · 4.625%
HK$15,520
+HK$890/mo
Deposit HK$3.02M · loan HK$3.02M · min. income ≈ HK$29,260/mo (50% DSR)
Upfront cash ≈ HK$3.16M (deposit + AVD stamp duty HK$138,729 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,315
−HK$828/mo
▼ 0.25% · 3.875%
HK$15,726
−HK$417/mo
Today · 4.125%
HK$16,143
baseline
▲ 0.50% · 4.625%
HK$16,993
+HK$850/mo
Deposit HK$3.02M · loan HK$3.02M · min. income ≈ HK$32,286/mo (50% DSR)
Upfront cash ≈ HK$3.16M (deposit + AVD stamp duty HK$138,729 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,520
−HK$1,036/mo
▼ 0.25% · 3.875%
HK$17,034
−HK$522/mo
Today · 4.125%
HK$17,556
baseline
▲ 0.50% · 4.625%
HK$18,624
+HK$1,068/mo
Deposit HK$2.41M · loan HK$3.62M · min. income ≈ HK$35,112/mo (50% DSR)
Upfront cash ≈ HK$2.55M (deposit + AVD stamp duty HK$138,729 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,378
−HK$993/mo
▼ 0.25% · 3.875%
HK$18,871
−HK$500/mo
Today · 4.125%
HK$19,371
baseline
▲ 0.50% · 4.625%
HK$20,392
+HK$1,021/mo
Deposit HK$2.41M · loan HK$3.62M · min. income ≈ HK$38,742/mo (50% DSR)
Upfront cash ≈ HK$2.55M (deposit + AVD stamp duty HK$138,729 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,273
−HK$1,209/mo
▼ 0.25% · 3.875%
HK$19,873
−HK$609/mo
Today · 4.125%
HK$20,482
baseline
▲ 0.50% · 4.625%
HK$21,728
+HK$1,246/mo
Deposit HK$1.81M · loan HK$4.23M · min. income ≈ HK$40,964/mo (50% DSR)
Upfront cash ≈ HK$1.95M (deposit + AVD stamp duty HK$138,729 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,441
−HK$1,159/mo
▼ 0.25% · 3.875%
HK$22,016
−HK$584/mo
Today · 4.125%
HK$22,600
baseline
▲ 0.50% · 4.625%
HK$23,791
+HK$1,191/mo
Deposit HK$1.81M · loan HK$4.23M · min. income ≈ HK$45,200/mo (50% DSR)
Upfront cash ≈ HK$1.95M (deposit + AVD stamp duty HK$138,729 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,780
−HK$1,554/mo
▼ 0.25% · 3.875%
HK$25,551
−HK$783/mo
Today · 4.125%
HK$26,334
baseline
▲ 0.50% · 4.625%
HK$27,936
+HK$1,602/mo
Deposit HK$604K · loan HK$5.43M · min. income ≈ HK$52,668/mo (50% DSR)
Upfront cash ≈ HK$742K (deposit + AVD stamp duty HK$138,729 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,567
−HK$1,490/mo
▼ 0.25% · 3.875%
HK$28,307
−HK$750/mo
Today · 4.125%
HK$29,057
baseline
▲ 0.50% · 4.625%
HK$30,588
+HK$1,531/mo
Deposit HK$604K · loan HK$5.43M · min. income ≈ HK$58,114/mo (50% DSR)
Upfront cash ≈ HK$742K (deposit + AVD stamp duty HK$138,729 · 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).