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$13,771
−HK$863/mo
▼ 0.25% · 3.875%
HK$14,199
−HK$435/mo
Today · 4.125%
HK$14,634
baseline
▲ 0.50% · 4.625%
HK$15,525
+HK$891/mo
Deposit HK$3.02M · loan HK$3.02M · min. income ≈ HK$29,268/mo (50% DSR)
Upfront cash ≈ HK$3.16M (deposit + AVD stamp duty HK$138,907 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,320
−HK$827/mo
▼ 0.25% · 3.875%
HK$15,731
−HK$416/mo
Today · 4.125%
HK$16,147
baseline
▲ 0.50% · 4.625%
HK$16,998
+HK$851/mo
Deposit HK$3.02M · loan HK$3.02M · min. income ≈ HK$32,294/mo (50% DSR)
Upfront cash ≈ HK$3.16M (deposit + AVD stamp duty HK$138,907 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,525
−HK$1,036/mo
▼ 0.25% · 3.875%
HK$17,039
−HK$522/mo
Today · 4.125%
HK$17,561
baseline
▲ 0.50% · 4.625%
HK$18,630
+HK$1,069/mo
Deposit HK$2.42M · loan HK$3.62M · min. income ≈ HK$35,122/mo (50% DSR)
Upfront cash ≈ HK$2.55M (deposit + AVD stamp duty HK$138,907 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,384
−HK$993/mo
▼ 0.25% · 3.875%
HK$18,877
−HK$500/mo
Today · 4.125%
HK$19,377
baseline
▲ 0.50% · 4.625%
HK$20,398
+HK$1,021/mo
Deposit HK$2.42M · loan HK$3.62M · min. income ≈ HK$38,754/mo (50% DSR)
Upfront cash ≈ HK$2.55M (deposit + AVD stamp duty HK$138,907 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,279
−HK$1,209/mo
▼ 0.25% · 3.875%
HK$19,879
−HK$609/mo
Today · 4.125%
HK$20,488
baseline
▲ 0.50% · 4.625%
HK$21,734
+HK$1,246/mo
Deposit HK$1.81M · loan HK$4.23M · min. income ≈ HK$40,976/mo (50% DSR)
Upfront cash ≈ HK$1.95M (deposit + AVD stamp duty HK$138,907 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,448
−HK$1,158/mo
▼ 0.25% · 3.875%
HK$22,023
−HK$583/mo
Today · 4.125%
HK$22,606
baseline
▲ 0.50% · 4.625%
HK$23,798
+HK$1,192/mo
Deposit HK$1.81M · loan HK$4.23M · min. income ≈ HK$45,212/mo (50% DSR)
Upfront cash ≈ HK$1.95M (deposit + AVD stamp duty HK$138,907 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,787
−HK$1,554/mo
▼ 0.25% · 3.875%
HK$25,558
−HK$783/mo
Today · 4.125%
HK$26,341
baseline
▲ 0.50% · 4.625%
HK$27,944
+HK$1,603/mo
Deposit HK$604K · loan HK$5.44M · min. income ≈ HK$52,682/mo (50% DSR)
Upfront cash ≈ HK$743K (deposit + AVD stamp duty HK$138,907 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,575
−HK$1,490/mo
▼ 0.25% · 3.875%
HK$28,315
−HK$750/mo
Today · 4.125%
HK$29,065
baseline
▲ 0.50% · 4.625%
HK$30,597
+HK$1,532/mo
Deposit HK$604K · loan HK$5.44M · min. income ≈ HK$58,130/mo (50% DSR)
Upfront cash ≈ HK$743K (deposit + AVD stamp duty HK$138,907 · 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).