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$13,795
−HK$865/mo
▼ 0.25% · 3.875%
HK$14,224
−HK$436/mo
Today · 4.125%
HK$14,660
baseline
▲ 0.50% · 4.625%
HK$15,552
+HK$892/mo
Deposit HK$3.02M · loan HK$3.02M · min. income ≈ HK$29,320/mo (50% DSR)
Upfront cash ≈ HK$3.16M (deposit + AVD stamp duty HK$139,971 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,347
−HK$829/mo
▼ 0.25% · 3.875%
HK$15,758
−HK$418/mo
Today · 4.125%
HK$16,176
baseline
▲ 0.50% · 4.625%
HK$17,028
+HK$852/mo
Deposit HK$3.02M · loan HK$3.02M · min. income ≈ HK$32,352/mo (50% DSR)
Upfront cash ≈ HK$3.16M (deposit + AVD stamp duty HK$139,971 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,554
−HK$1,038/mo
▼ 0.25% · 3.875%
HK$17,069
−HK$523/mo
Today · 4.125%
HK$17,592
baseline
▲ 0.50% · 4.625%
HK$18,662
+HK$1,070/mo
Deposit HK$2.42M · loan HK$3.63M · min. income ≈ HK$35,184/mo (50% DSR)
Upfront cash ≈ HK$2.56M (deposit + AVD stamp duty HK$139,971 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,416
−HK$995/mo
▼ 0.25% · 3.875%
HK$18,910
−HK$501/mo
Today · 4.125%
HK$19,411
baseline
▲ 0.50% · 4.625%
HK$20,434
+HK$1,023/mo
Deposit HK$2.42M · loan HK$3.63M · min. income ≈ HK$38,822/mo (50% DSR)
Upfront cash ≈ HK$2.56M (deposit + AVD stamp duty HK$139,971 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,313
−HK$1,211/mo
▼ 0.25% · 3.875%
HK$19,914
−HK$610/mo
Today · 4.125%
HK$20,524
baseline
▲ 0.50% · 4.625%
HK$21,773
+HK$1,249/mo
Deposit HK$1.81M · loan HK$4.23M · min. income ≈ HK$41,048/mo (50% DSR)
Upfront cash ≈ HK$1.95M (deposit + AVD stamp duty HK$139,971 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,485
−HK$1,161/mo
▼ 0.25% · 3.875%
HK$22,062
−HK$584/mo
Today · 4.125%
HK$22,646
baseline
▲ 0.50% · 4.625%
HK$23,840
+HK$1,194/mo
Deposit HK$1.81M · loan HK$4.23M · min. income ≈ HK$45,292/mo (50% DSR)
Upfront cash ≈ HK$1.95M (deposit + AVD stamp duty HK$139,971 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,831
−HK$1,557/mo
▼ 0.25% · 3.875%
HK$25,603
−HK$785/mo
Today · 4.125%
HK$26,388
baseline
▲ 0.50% · 4.625%
HK$27,994
+HK$1,606/mo
Deposit HK$605K · loan HK$5.44M · min. income ≈ HK$52,776/mo (50% DSR)
Upfront cash ≈ HK$745K (deposit + AVD stamp duty HK$139,971 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,624
−HK$1,492/mo
▼ 0.25% · 3.875%
HK$28,365
−HK$751/mo
Today · 4.125%
HK$29,116
baseline
▲ 0.50% · 4.625%
HK$30,651
+HK$1,535/mo
Deposit HK$605K · loan HK$5.44M · min. income ≈ HK$58,232/mo (50% DSR)
Upfront cash ≈ HK$745K (deposit + AVD stamp duty HK$139,971 · 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).