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$13,759
−HK$863/mo
▼ 0.25% · 3.875%
HK$14,187
−HK$435/mo
Today · 4.125%
HK$14,622
baseline
▲ 0.50% · 4.625%
HK$15,512
+HK$890/mo
Deposit HK$3.02M · loan HK$3.02M · min. income ≈ HK$29,244/mo (50% DSR)
Upfront cash ≈ HK$3.16M (deposit + AVD stamp duty HK$138,398 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,307
−HK$827/mo
▼ 0.25% · 3.875%
HK$15,717
−HK$417/mo
Today · 4.125%
HK$16,134
baseline
▲ 0.50% · 4.625%
HK$16,984
+HK$850/mo
Deposit HK$3.02M · loan HK$3.02M · min. income ≈ HK$32,268/mo (50% DSR)
Upfront cash ≈ HK$3.16M (deposit + AVD stamp duty HK$138,398 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,511
−HK$1,035/mo
▼ 0.25% · 3.875%
HK$17,024
−HK$522/mo
Today · 4.125%
HK$17,546
baseline
▲ 0.50% · 4.625%
HK$18,614
+HK$1,068/mo
Deposit HK$2.41M · loan HK$3.62M · min. income ≈ HK$35,092/mo (50% DSR)
Upfront cash ≈ HK$2.55M (deposit + AVD stamp duty HK$138,398 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,368
−HK$992/mo
▼ 0.25% · 3.875%
HK$18,861
−HK$499/mo
Today · 4.125%
HK$19,360
baseline
▲ 0.50% · 4.625%
HK$20,381
+HK$1,021/mo
Deposit HK$2.41M · loan HK$3.62M · min. income ≈ HK$38,720/mo (50% DSR)
Upfront cash ≈ HK$2.55M (deposit + AVD stamp duty HK$138,398 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,263
−HK$1,208/mo
▼ 0.25% · 3.875%
HK$19,862
−HK$609/mo
Today · 4.125%
HK$20,471
baseline
▲ 0.50% · 4.625%
HK$21,716
+HK$1,245/mo
Deposit HK$1.81M · loan HK$4.22M · min. income ≈ HK$40,942/mo (50% DSR)
Upfront cash ≈ HK$1.95M (deposit + AVD stamp duty HK$138,398 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,429
−HK$1,158/mo
▼ 0.25% · 3.875%
HK$22,004
−HK$583/mo
Today · 4.125%
HK$22,587
baseline
▲ 0.50% · 4.625%
HK$23,778
+HK$1,191/mo
Deposit HK$1.81M · loan HK$4.22M · min. income ≈ HK$45,174/mo (50% DSR)
Upfront cash ≈ HK$1.95M (deposit + AVD stamp duty HK$138,398 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,766
−HK$1,553/mo
▼ 0.25% · 3.875%
HK$25,537
−HK$782/mo
Today · 4.125%
HK$26,319
baseline
▲ 0.50% · 4.625%
HK$27,921
+HK$1,602/mo
Deposit HK$603K · loan HK$5.43M · min. income ≈ HK$52,638/mo (50% DSR)
Upfront cash ≈ HK$742K (deposit + AVD stamp duty HK$138,398 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,552
−HK$1,489/mo
▼ 0.25% · 3.875%
HK$28,291
−HK$750/mo
Today · 4.125%
HK$29,041
baseline
▲ 0.50% · 4.625%
HK$30,572
+HK$1,531/mo
Deposit HK$603K · loan HK$5.43M · min. income ≈ HK$58,082/mo (50% DSR)
Upfront cash ≈ HK$742K (deposit + AVD stamp duty HK$138,398 · 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).