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$13,799
−HK$865/mo
▼ 0.25% · 3.875%
HK$14,228
−HK$436/mo
Today · 4.125%
HK$14,664
baseline
▲ 0.50% · 4.625%
HK$15,556
+HK$892/mo
Deposit HK$3.03M · loan HK$3.03M · min. income ≈ HK$29,328/mo (50% DSR)
Upfront cash ≈ HK$3.17M (deposit + AVD stamp duty HK$140,140 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,351
−HK$829/mo
▼ 0.25% · 3.875%
HK$15,763
−HK$417/mo
Today · 4.125%
HK$16,180
baseline
▲ 0.50% · 4.625%
HK$17,033
+HK$853/mo
Deposit HK$3.03M · loan HK$3.03M · min. income ≈ HK$32,360/mo (50% DSR)
Upfront cash ≈ HK$3.17M (deposit + AVD stamp duty HK$140,140 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,558
−HK$1,039/mo
▼ 0.25% · 3.875%
HK$17,074
−HK$523/mo
Today · 4.125%
HK$17,597
baseline
▲ 0.50% · 4.625%
HK$18,668
+HK$1,071/mo
Deposit HK$2.42M · loan HK$3.63M · min. income ≈ HK$35,194/mo (50% DSR)
Upfront cash ≈ HK$2.56M (deposit + AVD stamp duty HK$140,140 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,421
−HK$995/mo
▼ 0.25% · 3.875%
HK$18,915
−HK$501/mo
Today · 4.125%
HK$19,416
baseline
▲ 0.50% · 4.625%
HK$20,440
+HK$1,024/mo
Deposit HK$2.42M · loan HK$3.63M · min. income ≈ HK$38,832/mo (50% DSR)
Upfront cash ≈ HK$2.56M (deposit + AVD stamp duty HK$140,140 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,318
−HK$1,212/mo
▼ 0.25% · 3.875%
HK$19,919
−HK$611/mo
Today · 4.125%
HK$20,530
baseline
▲ 0.50% · 4.625%
HK$21,779
+HK$1,249/mo
Deposit HK$1.82M · loan HK$4.24M · min. income ≈ HK$41,060/mo (50% DSR)
Upfront cash ≈ HK$1.96M (deposit + AVD stamp duty HK$140,140 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,491
−HK$1,161/mo
▼ 0.25% · 3.875%
HK$22,068
−HK$584/mo
Today · 4.125%
HK$22,652
baseline
▲ 0.50% · 4.625%
HK$23,846
+HK$1,194/mo
Deposit HK$1.82M · loan HK$4.24M · min. income ≈ HK$45,304/mo (50% DSR)
Upfront cash ≈ HK$1.96M (deposit + AVD stamp duty HK$140,140 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,838
−HK$1,557/mo
▼ 0.25% · 3.875%
HK$25,610
−HK$785/mo
Today · 4.125%
HK$26,395
baseline
▲ 0.50% · 4.625%
HK$28,001
+HK$1,606/mo
Deposit HK$605K · loan HK$5.45M · min. income ≈ HK$52,790/mo (50% DSR)
Upfront cash ≈ HK$745K (deposit + AVD stamp duty HK$140,140 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,632
−HK$1,493/mo
▼ 0.25% · 3.875%
HK$28,373
−HK$752/mo
Today · 4.125%
HK$29,125
baseline
▲ 0.50% · 4.625%
HK$30,660
+HK$1,535/mo
Deposit HK$605K · loan HK$5.45M · min. income ≈ HK$58,250/mo (50% DSR)
Upfront cash ≈ HK$745K (deposit + AVD stamp duty HK$140,140 · 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).