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$13,816
−HK$866/mo
▼ 0.25% · 3.875%
HK$14,246
−HK$436/mo
Today · 4.125%
HK$14,682
baseline
▲ 0.50% · 4.625%
HK$15,576
+HK$894/mo
Deposit HK$3.03M · loan HK$3.03M · min. income ≈ HK$29,364/mo (50% DSR)
Upfront cash ≈ HK$3.17M (deposit + AVD stamp duty HK$140,901 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,370
−HK$831/mo
▼ 0.25% · 3.875%
HK$15,782
−HK$419/mo
Today · 4.125%
HK$16,201
baseline
▲ 0.50% · 4.625%
HK$17,055
+HK$854/mo
Deposit HK$3.03M · loan HK$3.03M · min. income ≈ HK$32,402/mo (50% DSR)
Upfront cash ≈ HK$3.17M (deposit + AVD stamp duty HK$140,901 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,579
−HK$1,040/mo
▼ 0.25% · 3.875%
HK$17,095
−HK$524/mo
Today · 4.125%
HK$17,619
baseline
▲ 0.50% · 4.625%
HK$18,691
+HK$1,072/mo
Deposit HK$2.42M · loan HK$3.64M · min. income ≈ HK$35,238/mo (50% DSR)
Upfront cash ≈ HK$2.56M (deposit + AVD stamp duty HK$140,901 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,444
−HK$997/mo
▼ 0.25% · 3.875%
HK$18,939
−HK$502/mo
Today · 4.125%
HK$19,441
baseline
▲ 0.50% · 4.625%
HK$20,466
+HK$1,025/mo
Deposit HK$2.42M · loan HK$3.64M · min. income ≈ HK$38,882/mo (50% DSR)
Upfront cash ≈ HK$2.56M (deposit + AVD stamp duty HK$140,901 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,343
−HK$1,212/mo
▼ 0.25% · 3.875%
HK$19,944
−HK$611/mo
Today · 4.125%
HK$20,555
baseline
▲ 0.50% · 4.625%
HK$21,806
+HK$1,251/mo
Deposit HK$1.82M · loan HK$4.24M · min. income ≈ HK$41,110/mo (50% DSR)
Upfront cash ≈ HK$1.96M (deposit + AVD stamp duty HK$140,901 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,518
−HK$1,163/mo
▼ 0.25% · 3.875%
HK$22,095
−HK$586/mo
Today · 4.125%
HK$22,681
baseline
▲ 0.50% · 4.625%
HK$23,876
+HK$1,195/mo
Deposit HK$1.82M · loan HK$4.24M · min. income ≈ HK$45,362/mo (50% DSR)
Upfront cash ≈ HK$1.96M (deposit + AVD stamp duty HK$140,901 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,869
−HK$1,559/mo
▼ 0.25% · 3.875%
HK$25,643
−HK$785/mo
Today · 4.125%
HK$26,428
baseline
▲ 0.50% · 4.625%
HK$28,037
+HK$1,609/mo
Deposit HK$606K · loan HK$5.45M · min. income ≈ HK$52,856/mo (50% DSR)
Upfront cash ≈ HK$747K (deposit + AVD stamp duty HK$140,901 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,666
−HK$1,495/mo
▼ 0.25% · 3.875%
HK$28,408
−HK$753/mo
Today · 4.125%
HK$29,161
baseline
▲ 0.50% · 4.625%
HK$30,698
+HK$1,537/mo
Deposit HK$606K · loan HK$5.45M · min. income ≈ HK$58,322/mo (50% DSR)
Upfront cash ≈ HK$747K (deposit + AVD stamp duty HK$140,901 · 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).