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$13,786
−HK$864/mo
▼ 0.25% · 3.875%
HK$14,215
−HK$435/mo
Today · 4.125%
HK$14,650
baseline
▲ 0.50% · 4.625%
HK$15,542
+HK$892/mo
Deposit HK$3.02M · loan HK$3.02M · min. income ≈ HK$29,300/mo (50% DSR)
Upfront cash ≈ HK$3.16M (deposit + AVD stamp duty HK$139,572 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,337
−HK$828/mo
▼ 0.25% · 3.875%
HK$15,748
−HK$417/mo
Today · 4.125%
HK$16,165
baseline
▲ 0.50% · 4.625%
HK$17,017
+HK$852/mo
Deposit HK$3.02M · loan HK$3.02M · min. income ≈ HK$32,330/mo (50% DSR)
Upfront cash ≈ HK$3.16M (deposit + AVD stamp duty HK$139,572 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,543
−HK$1,037/mo
▼ 0.25% · 3.875%
HK$17,058
−HK$522/mo
Today · 4.125%
HK$17,580
baseline
▲ 0.50% · 4.625%
HK$18,650
+HK$1,070/mo
Deposit HK$2.42M · loan HK$3.63M · min. income ≈ HK$35,160/mo (50% DSR)
Upfront cash ≈ HK$2.56M (deposit + AVD stamp duty HK$139,572 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,404
−HK$994/mo
▼ 0.25% · 3.875%
HK$18,897
−HK$501/mo
Today · 4.125%
HK$19,398
baseline
▲ 0.50% · 4.625%
HK$20,421
+HK$1,023/mo
Deposit HK$2.42M · loan HK$3.63M · min. income ≈ HK$38,796/mo (50% DSR)
Upfront cash ≈ HK$2.56M (deposit + AVD stamp duty HK$139,572 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,300
−HK$1,210/mo
▼ 0.25% · 3.875%
HK$19,900
−HK$610/mo
Today · 4.125%
HK$20,510
baseline
▲ 0.50% · 4.625%
HK$21,758
+HK$1,248/mo
Deposit HK$1.81M · loan HK$4.23M · min. income ≈ HK$41,020/mo (50% DSR)
Upfront cash ≈ HK$1.95M (deposit + AVD stamp duty HK$139,572 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,471
−HK$1,160/mo
▼ 0.25% · 3.875%
HK$22,047
−HK$584/mo
Today · 4.125%
HK$22,631
baseline
▲ 0.50% · 4.625%
HK$23,824
+HK$1,193/mo
Deposit HK$1.81M · loan HK$4.23M · min. income ≈ HK$45,262/mo (50% DSR)
Upfront cash ≈ HK$1.95M (deposit + AVD stamp duty HK$139,572 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,814
−HK$1,556/mo
▼ 0.25% · 3.875%
HK$25,586
−HK$784/mo
Today · 4.125%
HK$26,370
baseline
▲ 0.50% · 4.625%
HK$27,975
+HK$1,605/mo
Deposit HK$605K · loan HK$5.44M · min. income ≈ HK$52,740/mo (50% DSR)
Upfront cash ≈ HK$744K (deposit + AVD stamp duty HK$139,572 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,606
−HK$1,491/mo
▼ 0.25% · 3.875%
HK$28,346
−HK$751/mo
Today · 4.125%
HK$29,097
baseline
▲ 0.50% · 4.625%
HK$30,631
+HK$1,534/mo
Deposit HK$605K · loan HK$5.44M · min. income ≈ HK$58,194/mo (50% DSR)
Upfront cash ≈ HK$744K (deposit + AVD stamp duty HK$139,572 · 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).