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$13,764
−HK$863/mo
▼ 0.25% · 3.875%
HK$14,192
−HK$435/mo
Today · 4.125%
HK$14,627
baseline
▲ 0.50% · 4.625%
HK$15,517
+HK$890/mo
Deposit HK$3.02M · loan HK$3.02M · min. income ≈ HK$29,254/mo (50% DSR)
Upfront cash ≈ HK$3.16M (deposit + AVD stamp duty HK$138,595 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,312
−HK$827/mo
▼ 0.25% · 3.875%
HK$15,722
−HK$417/mo
Today · 4.125%
HK$16,139
baseline
▲ 0.50% · 4.625%
HK$16,990
+HK$851/mo
Deposit HK$3.02M · loan HK$3.02M · min. income ≈ HK$32,278/mo (50% DSR)
Upfront cash ≈ HK$3.16M (deposit + AVD stamp duty HK$138,595 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,516
−HK$1,036/mo
▼ 0.25% · 3.875%
HK$17,030
−HK$522/mo
Today · 4.125%
HK$17,552
baseline
▲ 0.50% · 4.625%
HK$18,620
+HK$1,068/mo
Deposit HK$2.41M · loan HK$3.62M · min. income ≈ HK$35,104/mo (50% DSR)
Upfront cash ≈ HK$2.55M (deposit + AVD stamp duty HK$138,595 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,374
−HK$993/mo
▼ 0.25% · 3.875%
HK$18,867
−HK$500/mo
Today · 4.125%
HK$19,367
baseline
▲ 0.50% · 4.625%
HK$20,388
+HK$1,021/mo
Deposit HK$2.41M · loan HK$3.62M · min. income ≈ HK$38,734/mo (50% DSR)
Upfront cash ≈ HK$2.55M (deposit + AVD stamp duty HK$138,595 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,269
−HK$1,208/mo
▼ 0.25% · 3.875%
HK$19,868
−HK$609/mo
Today · 4.125%
HK$20,477
baseline
▲ 0.50% · 4.625%
HK$21,723
+HK$1,246/mo
Deposit HK$1.81M · loan HK$4.23M · min. income ≈ HK$40,954/mo (50% DSR)
Upfront cash ≈ HK$1.95M (deposit + AVD stamp duty HK$138,595 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,436
−HK$1,159/mo
▼ 0.25% · 3.875%
HK$22,011
−HK$584/mo
Today · 4.125%
HK$22,595
baseline
▲ 0.50% · 4.625%
HK$23,786
+HK$1,191/mo
Deposit HK$1.81M · loan HK$4.23M · min. income ≈ HK$45,190/mo (50% DSR)
Upfront cash ≈ HK$1.95M (deposit + AVD stamp duty HK$138,595 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,774
−HK$1,554/mo
▼ 0.25% · 3.875%
HK$25,545
−HK$783/mo
Today · 4.125%
HK$26,328
baseline
▲ 0.50% · 4.625%
HK$27,930
+HK$1,602/mo
Deposit HK$604K · loan HK$5.43M · min. income ≈ HK$52,656/mo (50% DSR)
Upfront cash ≈ HK$742K (deposit + AVD stamp duty HK$138,595 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,561
−HK$1,489/mo
▼ 0.25% · 3.875%
HK$28,300
−HK$750/mo
Today · 4.125%
HK$29,050
baseline
▲ 0.50% · 4.625%
HK$30,582
+HK$1,532/mo
Deposit HK$604K · loan HK$5.43M · min. income ≈ HK$58,100/mo (50% DSR)
Upfront cash ≈ HK$742K (deposit + AVD stamp duty HK$138,595 · 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).