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$13,773
−HK$864/mo
▼ 0.25% · 3.875%
HK$14,201
−HK$436/mo
Today · 4.125%
HK$14,637
baseline
▲ 0.50% · 4.625%
HK$15,527
+HK$890/mo
Deposit HK$3.02M · loan HK$3.02M · min. income ≈ HK$29,274/mo (50% DSR)
Upfront cash ≈ HK$3.16M (deposit + AVD stamp duty HK$139,013 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,322
−HK$828/mo
▼ 0.25% · 3.875%
HK$15,733
−HK$417/mo
Today · 4.125%
HK$16,150
baseline
▲ 0.50% · 4.625%
HK$17,001
+HK$851/mo
Deposit HK$3.02M · loan HK$3.02M · min. income ≈ HK$32,300/mo (50% DSR)
Upfront cash ≈ HK$3.16M (deposit + AVD stamp duty HK$139,013 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,528
−HK$1,036/mo
▼ 0.25% · 3.875%
HK$17,042
−HK$522/mo
Today · 4.125%
HK$17,564
baseline
▲ 0.50% · 4.625%
HK$18,633
+HK$1,069/mo
Deposit HK$2.42M · loan HK$3.62M · min. income ≈ HK$35,128/mo (50% DSR)
Upfront cash ≈ HK$2.56M (deposit + AVD stamp duty HK$139,013 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,387
−HK$993/mo
▼ 0.25% · 3.875%
HK$18,880
−HK$500/mo
Today · 4.125%
HK$19,380
baseline
▲ 0.50% · 4.625%
HK$20,402
+HK$1,022/mo
Deposit HK$2.42M · loan HK$3.62M · min. income ≈ HK$38,760/mo (50% DSR)
Upfront cash ≈ HK$2.56M (deposit + AVD stamp duty HK$139,013 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,282
−HK$1,209/mo
▼ 0.25% · 3.875%
HK$19,882
−HK$609/mo
Today · 4.125%
HK$20,491
baseline
▲ 0.50% · 4.625%
HK$21,738
+HK$1,247/mo
Deposit HK$1.81M · loan HK$4.23M · min. income ≈ HK$40,982/mo (50% DSR)
Upfront cash ≈ HK$1.95M (deposit + AVD stamp duty HK$139,013 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,451
−HK$1,159/mo
▼ 0.25% · 3.875%
HK$22,027
−HK$583/mo
Today · 4.125%
HK$22,610
baseline
▲ 0.50% · 4.625%
HK$23,802
+HK$1,192/mo
Deposit HK$1.81M · loan HK$4.23M · min. income ≈ HK$45,220/mo (50% DSR)
Upfront cash ≈ HK$1.95M (deposit + AVD stamp duty HK$139,013 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,791
−HK$1,555/mo
▼ 0.25% · 3.875%
HK$25,563
−HK$783/mo
Today · 4.125%
HK$26,346
baseline
▲ 0.50% · 4.625%
HK$27,949
+HK$1,603/mo
Deposit HK$604K · loan HK$5.44M · min. income ≈ HK$52,692/mo (50% DSR)
Upfront cash ≈ HK$743K (deposit + AVD stamp duty HK$139,013 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,580
−HK$1,490/mo
▼ 0.25% · 3.875%
HK$28,320
−HK$750/mo
Today · 4.125%
HK$29,070
baseline
▲ 0.50% · 4.625%
HK$30,603
+HK$1,533/mo
Deposit HK$604K · loan HK$5.44M · min. income ≈ HK$58,140/mo (50% DSR)
Upfront cash ≈ HK$743K (deposit + AVD stamp duty HK$139,013 · 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).