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$13,758
−HK$862/mo
▼ 0.25% · 3.875%
HK$14,186
−HK$434/mo
Today · 4.125%
HK$14,620
baseline
▲ 0.50% · 4.625%
HK$15,510
+HK$890/mo
Deposit HK$3.02M · loan HK$3.02M · min. income ≈ HK$29,240/mo (50% DSR)
Upfront cash ≈ HK$3.16M (deposit + AVD stamp duty HK$138,334 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,305
−HK$827/mo
▼ 0.25% · 3.875%
HK$15,716
−HK$416/mo
Today · 4.125%
HK$16,132
baseline
▲ 0.50% · 4.625%
HK$16,982
+HK$850/mo
Deposit HK$3.02M · loan HK$3.02M · min. income ≈ HK$32,264/mo (50% DSR)
Upfront cash ≈ HK$3.16M (deposit + AVD stamp duty HK$138,334 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,509
−HK$1,035/mo
▼ 0.25% · 3.875%
HK$17,023
−HK$521/mo
Today · 4.125%
HK$17,544
baseline
▲ 0.50% · 4.625%
HK$18,612
+HK$1,068/mo
Deposit HK$2.41M · loan HK$3.62M · min. income ≈ HK$35,088/mo (50% DSR)
Upfront cash ≈ HK$2.55M (deposit + AVD stamp duty HK$138,334 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,366
−HK$992/mo
▼ 0.25% · 3.875%
HK$18,859
−HK$499/mo
Today · 4.125%
HK$19,358
baseline
▲ 0.50% · 4.625%
HK$20,379
+HK$1,021/mo
Deposit HK$2.41M · loan HK$3.62M · min. income ≈ HK$38,716/mo (50% DSR)
Upfront cash ≈ HK$2.55M (deposit + AVD stamp duty HK$138,334 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,261
−HK$1,207/mo
▼ 0.25% · 3.875%
HK$19,860
−HK$608/mo
Today · 4.125%
HK$20,468
baseline
▲ 0.50% · 4.625%
HK$21,714
+HK$1,246/mo
Deposit HK$1.81M · loan HK$4.22M · min. income ≈ HK$40,936/mo (50% DSR)
Upfront cash ≈ HK$1.95M (deposit + AVD stamp duty HK$138,334 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,427
−HK$1,158/mo
▼ 0.25% · 3.875%
HK$22,002
−HK$583/mo
Today · 4.125%
HK$22,585
baseline
▲ 0.50% · 4.625%
HK$23,775
+HK$1,190/mo
Deposit HK$1.81M · loan HK$4.22M · min. income ≈ HK$45,170/mo (50% DSR)
Upfront cash ≈ HK$1.95M (deposit + AVD stamp duty HK$138,334 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,764
−HK$1,553/mo
▼ 0.25% · 3.875%
HK$25,534
−HK$783/mo
Today · 4.125%
HK$26,317
baseline
▲ 0.50% · 4.625%
HK$27,918
+HK$1,601/mo
Deposit HK$603K · loan HK$5.43M · min. income ≈ HK$52,634/mo (50% DSR)
Upfront cash ≈ HK$742K (deposit + AVD stamp duty HK$138,334 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,549
−HK$1,489/mo
▼ 0.25% · 3.875%
HK$28,288
−HK$750/mo
Today · 4.125%
HK$29,038
baseline
▲ 0.50% · 4.625%
HK$30,568
+HK$1,530/mo
Deposit HK$603K · loan HK$5.43M · min. income ≈ HK$58,076/mo (50% DSR)
Upfront cash ≈ HK$742K (deposit + AVD stamp duty HK$138,334 · 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).