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$13,774
−HK$864/mo
▼ 0.25% · 3.875%
HK$14,203
−HK$435/mo
Today · 4.125%
HK$14,638
baseline
▲ 0.50% · 4.625%
HK$15,529
+HK$891/mo
Deposit HK$3.02M · loan HK$3.02M · min. income ≈ HK$29,276/mo (50% DSR)
Upfront cash ≈ HK$3.16M (deposit + AVD stamp duty HK$139,075 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,324
−HK$828/mo
▼ 0.25% · 3.875%
HK$15,735
−HK$417/mo
Today · 4.125%
HK$16,152
baseline
▲ 0.50% · 4.625%
HK$17,003
+HK$851/mo
Deposit HK$3.02M · loan HK$3.02M · min. income ≈ HK$32,304/mo (50% DSR)
Upfront cash ≈ HK$3.16M (deposit + AVD stamp duty HK$139,075 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,529
−HK$1,037/mo
▼ 0.25% · 3.875%
HK$17,043
−HK$523/mo
Today · 4.125%
HK$17,566
baseline
▲ 0.50% · 4.625%
HK$18,635
+HK$1,069/mo
Deposit HK$2.42M · loan HK$3.62M · min. income ≈ HK$35,132/mo (50% DSR)
Upfront cash ≈ HK$2.56M (deposit + AVD stamp duty HK$139,075 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,389
−HK$993/mo
▼ 0.25% · 3.875%
HK$18,882
−HK$500/mo
Today · 4.125%
HK$19,382
baseline
▲ 0.50% · 4.625%
HK$20,404
+HK$1,022/mo
Deposit HK$2.42M · loan HK$3.62M · min. income ≈ HK$38,764/mo (50% DSR)
Upfront cash ≈ HK$2.56M (deposit + AVD stamp duty HK$139,075 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,284
−HK$1,210/mo
▼ 0.25% · 3.875%
HK$19,884
−HK$610/mo
Today · 4.125%
HK$20,494
baseline
▲ 0.50% · 4.625%
HK$21,740
+HK$1,246/mo
Deposit HK$1.81M · loan HK$4.23M · min. income ≈ HK$40,988/mo (50% DSR)
Upfront cash ≈ HK$1.95M (deposit + AVD stamp duty HK$139,075 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,454
−HK$1,159/mo
▼ 0.25% · 3.875%
HK$22,029
−HK$584/mo
Today · 4.125%
HK$22,613
baseline
▲ 0.50% · 4.625%
HK$23,805
+HK$1,192/mo
Deposit HK$1.81M · loan HK$4.23M · min. income ≈ HK$45,226/mo (50% DSR)
Upfront cash ≈ HK$1.95M (deposit + AVD stamp duty HK$139,075 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,794
−HK$1,555/mo
▼ 0.25% · 3.875%
HK$25,565
−HK$784/mo
Today · 4.125%
HK$26,349
baseline
▲ 0.50% · 4.625%
HK$27,952
+HK$1,603/mo
Deposit HK$604K · loan HK$5.44M · min. income ≈ HK$52,698/mo (50% DSR)
Upfront cash ≈ HK$743K (deposit + AVD stamp duty HK$139,075 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,583
−HK$1,490/mo
▼ 0.25% · 3.875%
HK$28,323
−HK$750/mo
Today · 4.125%
HK$29,073
baseline
▲ 0.50% · 4.625%
HK$30,606
+HK$1,533/mo
Deposit HK$604K · loan HK$5.44M · min. income ≈ HK$58,146/mo (50% DSR)
Upfront cash ≈ HK$743K (deposit + AVD stamp duty HK$139,075 · 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).