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$13,786
−HK$865/mo
▼ 0.25% · 3.875%
HK$14,215
−HK$436/mo
Today · 4.125%
HK$14,651
baseline
▲ 0.50% · 4.625%
HK$15,542
+HK$891/mo
Deposit HK$3.02M · loan HK$3.02M · min. income ≈ HK$29,302/mo (50% DSR)
Upfront cash ≈ HK$3.16M (deposit + AVD stamp duty HK$139,584 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,337
−HK$828/mo
▼ 0.25% · 3.875%
HK$15,748
−HK$417/mo
Today · 4.125%
HK$16,165
baseline
▲ 0.50% · 4.625%
HK$17,018
+HK$853/mo
Deposit HK$3.02M · loan HK$3.02M · min. income ≈ HK$32,330/mo (50% DSR)
Upfront cash ≈ HK$3.16M (deposit + AVD stamp duty HK$139,584 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,543
−HK$1,038/mo
▼ 0.25% · 3.875%
HK$17,058
−HK$523/mo
Today · 4.125%
HK$17,581
baseline
▲ 0.50% · 4.625%
HK$18,650
+HK$1,069/mo
Deposit HK$2.42M · loan HK$3.63M · min. income ≈ HK$35,162/mo (50% DSR)
Upfront cash ≈ HK$2.56M (deposit + AVD stamp duty HK$139,584 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,404
−HK$995/mo
▼ 0.25% · 3.875%
HK$18,898
−HK$501/mo
Today · 4.125%
HK$19,399
baseline
▲ 0.50% · 4.625%
HK$20,421
+HK$1,022/mo
Deposit HK$2.42M · loan HK$3.63M · min. income ≈ HK$38,798/mo (50% DSR)
Upfront cash ≈ HK$2.56M (deposit + AVD stamp duty HK$139,584 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,300
−HK$1,211/mo
▼ 0.25% · 3.875%
HK$19,901
−HK$610/mo
Today · 4.125%
HK$20,511
baseline
▲ 0.50% · 4.625%
HK$21,759
+HK$1,248/mo
Deposit HK$1.81M · loan HK$4.23M · min. income ≈ HK$41,022/mo (50% DSR)
Upfront cash ≈ HK$1.95M (deposit + AVD stamp duty HK$139,584 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,472
−HK$1,160/mo
▼ 0.25% · 3.875%
HK$22,047
−HK$585/mo
Today · 4.125%
HK$22,632
baseline
▲ 0.50% · 4.625%
HK$23,825
+HK$1,193/mo
Deposit HK$1.81M · loan HK$4.23M · min. income ≈ HK$45,264/mo (50% DSR)
Upfront cash ≈ HK$1.95M (deposit + AVD stamp duty HK$139,584 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,815
−HK$1,556/mo
▼ 0.25% · 3.875%
HK$25,587
−HK$784/mo
Today · 4.125%
HK$26,371
baseline
▲ 0.50% · 4.625%
HK$27,976
+HK$1,605/mo
Deposit HK$605K · loan HK$5.44M · min. income ≈ HK$52,742/mo (50% DSR)
Upfront cash ≈ HK$744K (deposit + AVD stamp duty HK$139,584 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,606
−HK$1,492/mo
▼ 0.25% · 3.875%
HK$28,347
−HK$751/mo
Today · 4.125%
HK$29,098
baseline
▲ 0.50% · 4.625%
HK$30,632
+HK$1,534/mo
Deposit HK$605K · loan HK$5.44M · min. income ≈ HK$58,196/mo (50% DSR)
Upfront cash ≈ HK$744K (deposit + AVD stamp duty HK$139,584 · 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).