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$13,820
−HK$866/mo
▼ 0.25% · 3.875%
HK$14,250
−HK$436/mo
Today · 4.125%
HK$14,686
baseline
▲ 0.50% · 4.625%
HK$15,580
+HK$894/mo
Deposit HK$3.03M · loan HK$3.03M · min. income ≈ HK$29,372/mo (50% DSR)
Upfront cash ≈ HK$3.17M (deposit + AVD stamp duty HK$141,058 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,374
−HK$831/mo
▼ 0.25% · 3.875%
HK$15,787
−HK$418/mo
Today · 4.125%
HK$16,205
baseline
▲ 0.50% · 4.625%
HK$17,059
+HK$854/mo
Deposit HK$3.03M · loan HK$3.03M · min. income ≈ HK$32,410/mo (50% DSR)
Upfront cash ≈ HK$3.17M (deposit + AVD stamp duty HK$141,058 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,584
−HK$1,040/mo
▼ 0.25% · 3.875%
HK$17,099
−HK$525/mo
Today · 4.125%
HK$17,624
baseline
▲ 0.50% · 4.625%
HK$18,696
+HK$1,072/mo
Deposit HK$2.42M · loan HK$3.64M · min. income ≈ HK$35,248/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$141,058 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,449
−HK$997/mo
▼ 0.25% · 3.875%
HK$18,944
−HK$502/mo
Today · 4.125%
HK$19,446
baseline
▲ 0.50% · 4.625%
HK$20,471
+HK$1,025/mo
Deposit HK$2.42M · loan HK$3.64M · min. income ≈ HK$38,892/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$141,058 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,348
−HK$1,213/mo
▼ 0.25% · 3.875%
HK$19,949
−HK$612/mo
Today · 4.125%
HK$20,561
baseline
▲ 0.50% · 4.625%
HK$21,812
+HK$1,251/mo
Deposit HK$1.82M · loan HK$4.24M · min. income ≈ HK$41,122/mo (50% DSR)
Upfront cash ≈ HK$1.96M (deposit + AVD stamp duty HK$141,058 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,524
−HK$1,163/mo
▼ 0.25% · 3.875%
HK$22,101
−HK$586/mo
Today · 4.125%
HK$22,687
baseline
▲ 0.50% · 4.625%
HK$23,883
+HK$1,196/mo
Deposit HK$1.82M · loan HK$4.24M · min. income ≈ HK$45,374/mo (50% DSR)
Upfront cash ≈ HK$1.96M (deposit + AVD stamp duty HK$141,058 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,875
−HK$1,560/mo
▼ 0.25% · 3.875%
HK$25,649
−HK$786/mo
Today · 4.125%
HK$26,435
baseline
▲ 0.50% · 4.625%
HK$28,044
+HK$1,609/mo
Deposit HK$606K · loan HK$5.45M · min. income ≈ HK$52,870/mo (50% DSR)
Upfront cash ≈ HK$747K (deposit + AVD stamp duty HK$141,058 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,674
−HK$1,495/mo
▼ 0.25% · 3.875%
HK$28,416
−HK$753/mo
Today · 4.125%
HK$29,169
baseline
▲ 0.50% · 4.625%
HK$30,706
+HK$1,537/mo
Deposit HK$606K · loan HK$5.45M · min. income ≈ HK$58,338/mo (50% DSR)
Upfront cash ≈ HK$747K (deposit + AVD stamp duty HK$141,058 · 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).