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$13,807
−HK$866/mo
▼ 0.25% · 3.875%
HK$14,237
−HK$436/mo
Today · 4.125%
HK$14,673
baseline
▲ 0.50% · 4.625%
HK$15,566
+HK$893/mo
Deposit HK$3.03M · loan HK$3.03M · min. income ≈ HK$29,346/mo (50% DSR)
Upfront cash ≈ HK$3.17M (deposit + AVD stamp duty HK$140,520 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,361
−HK$829/mo
▼ 0.25% · 3.875%
HK$15,773
−HK$417/mo
Today · 4.125%
HK$16,190
baseline
▲ 0.50% · 4.625%
HK$17,044
+HK$854/mo
Deposit HK$3.03M · loan HK$3.03M · min. income ≈ HK$32,380/mo (50% DSR)
Upfront cash ≈ HK$3.17M (deposit + AVD stamp duty HK$140,520 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,569
−HK$1,039/mo
▼ 0.25% · 3.875%
HK$17,084
−HK$524/mo
Today · 4.125%
HK$17,608
baseline
▲ 0.50% · 4.625%
HK$18,679
+HK$1,071/mo
Deposit HK$2.42M · loan HK$3.63M · min. income ≈ HK$35,216/mo (50% DSR)
Upfront cash ≈ HK$2.56M (deposit + AVD stamp duty HK$140,520 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,433
−HK$996/mo
▼ 0.25% · 3.875%
HK$18,927
−HK$502/mo
Today · 4.125%
HK$19,429
baseline
▲ 0.50% · 4.625%
HK$20,453
+HK$1,024/mo
Deposit HK$2.42M · loan HK$3.63M · min. income ≈ HK$38,858/mo (50% DSR)
Upfront cash ≈ HK$2.56M (deposit + AVD stamp duty HK$140,520 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,330
−HK$1,213/mo
▼ 0.25% · 3.875%
HK$19,932
−HK$611/mo
Today · 4.125%
HK$20,543
baseline
▲ 0.50% · 4.625%
HK$21,793
+HK$1,250/mo
Deposit HK$1.82M · loan HK$4.24M · min. income ≈ HK$41,086/mo (50% DSR)
Upfront cash ≈ HK$1.96M (deposit + AVD stamp duty HK$140,520 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,505
−HK$1,162/mo
▼ 0.25% · 3.875%
HK$22,082
−HK$585/mo
Today · 4.125%
HK$22,667
baseline
▲ 0.50% · 4.625%
HK$23,861
+HK$1,194/mo
Deposit HK$1.82M · loan HK$4.24M · min. income ≈ HK$45,334/mo (50% DSR)
Upfront cash ≈ HK$1.96M (deposit + AVD stamp duty HK$140,520 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,853
−HK$1,559/mo
▼ 0.25% · 3.875%
HK$25,626
−HK$786/mo
Today · 4.125%
HK$26,412
baseline
▲ 0.50% · 4.625%
HK$28,019
+HK$1,607/mo
Deposit HK$606K · loan HK$5.45M · min. income ≈ HK$52,824/mo (50% DSR)
Upfront cash ≈ HK$746K (deposit + AVD stamp duty HK$140,520 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,649
−HK$1,494/mo
▼ 0.25% · 3.875%
HK$28,391
−HK$752/mo
Today · 4.125%
HK$29,143
baseline
▲ 0.50% · 4.625%
HK$30,679
+HK$1,536/mo
Deposit HK$606K · loan HK$5.45M · min. income ≈ HK$58,286/mo (50% DSR)
Upfront cash ≈ HK$746K (deposit + AVD stamp duty HK$140,520 · 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).