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$13,812
−HK$866/mo
▼ 0.25% · 3.875%
HK$14,241
−HK$437/mo
Today · 4.125%
HK$14,678
baseline
▲ 0.50% · 4.625%
HK$15,571
+HK$893/mo
Deposit HK$3.03M · loan HK$3.03M · min. income ≈ HK$29,356/mo (50% DSR)
Upfront cash ≈ HK$3.17M (deposit + AVD stamp duty HK$140,702 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,365
−HK$830/mo
▼ 0.25% · 3.875%
HK$15,777
−HK$418/mo
Today · 4.125%
HK$16,195
baseline
▲ 0.50% · 4.625%
HK$17,049
+HK$854/mo
Deposit HK$3.03M · loan HK$3.03M · min. income ≈ HK$32,390/mo (50% DSR)
Upfront cash ≈ HK$3.17M (deposit + AVD stamp duty HK$140,702 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,574
−HK$1,039/mo
▼ 0.25% · 3.875%
HK$17,089
−HK$524/mo
Today · 4.125%
HK$17,613
baseline
▲ 0.50% · 4.625%
HK$18,685
+HK$1,072/mo
Deposit HK$2.42M · loan HK$3.63M · min. income ≈ HK$35,226/mo (50% DSR)
Upfront cash ≈ HK$2.56M (deposit + AVD stamp duty HK$140,702 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,438
−HK$996/mo
▼ 0.25% · 3.875%
HK$18,933
−HK$501/mo
Today · 4.125%
HK$19,434
baseline
▲ 0.50% · 4.625%
HK$20,459
+HK$1,025/mo
Deposit HK$2.42M · loan HK$3.63M · min. income ≈ HK$38,868/mo (50% DSR)
Upfront cash ≈ HK$2.56M (deposit + AVD stamp duty HK$140,702 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,336
−HK$1,213/mo
▼ 0.25% · 3.875%
HK$19,938
−HK$611/mo
Today · 4.125%
HK$20,549
baseline
▲ 0.50% · 4.625%
HK$21,799
+HK$1,250/mo
Deposit HK$1.82M · loan HK$4.24M · min. income ≈ HK$41,098/mo (50% DSR)
Upfront cash ≈ HK$1.96M (deposit + AVD stamp duty HK$140,702 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,511
−HK$1,162/mo
▼ 0.25% · 3.875%
HK$22,088
−HK$585/mo
Today · 4.125%
HK$22,673
baseline
▲ 0.50% · 4.625%
HK$23,869
+HK$1,196/mo
Deposit HK$1.82M · loan HK$4.24M · min. income ≈ HK$45,346/mo (50% DSR)
Upfront cash ≈ HK$1.96M (deposit + AVD stamp duty HK$140,702 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,861
−HK$1,559/mo
▼ 0.25% · 3.875%
HK$25,634
−HK$786/mo
Today · 4.125%
HK$26,420
baseline
▲ 0.50% · 4.625%
HK$28,027
+HK$1,607/mo
Deposit HK$606K · loan HK$5.45M · min. income ≈ HK$52,840/mo (50% DSR)
Upfront cash ≈ HK$746K (deposit + AVD stamp duty HK$140,702 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,657
−HK$1,495/mo
▼ 0.25% · 3.875%
HK$28,399
−HK$753/mo
Today · 4.125%
HK$29,152
baseline
▲ 0.50% · 4.625%
HK$30,688
+HK$1,536/mo
Deposit HK$606K · loan HK$5.45M · min. income ≈ HK$58,304/mo (50% DSR)
Upfront cash ≈ HK$746K (deposit + AVD stamp duty HK$140,702 · 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).