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$13,783
−HK$864/mo
▼ 0.25% · 3.875%
HK$14,211
−HK$436/mo
Today · 4.125%
HK$14,647
baseline
▲ 0.50% · 4.625%
HK$15,538
+HK$891/mo
Deposit HK$3.02M · loan HK$3.02M · min. income ≈ HK$29,294/mo (50% DSR)
Upfront cash ≈ HK$3.16M (deposit + AVD stamp duty HK$139,438 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,333
−HK$829/mo
▼ 0.25% · 3.875%
HK$15,744
−HK$418/mo
Today · 4.125%
HK$16,162
baseline
▲ 0.50% · 4.625%
HK$17,013
+HK$851/mo
Deposit HK$3.02M · loan HK$3.02M · min. income ≈ HK$32,324/mo (50% DSR)
Upfront cash ≈ HK$3.16M (deposit + AVD stamp duty HK$139,438 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,539
−HK$1,037/mo
▼ 0.25% · 3.875%
HK$17,054
−HK$522/mo
Today · 4.125%
HK$17,576
baseline
▲ 0.50% · 4.625%
HK$18,646
+HK$1,070/mo
Deposit HK$2.42M · loan HK$3.63M · min. income ≈ HK$35,152/mo (50% DSR)
Upfront cash ≈ HK$2.56M (deposit + AVD stamp duty HK$139,438 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,400
−HK$994/mo
▼ 0.25% · 3.875%
HK$18,893
−HK$501/mo
Today · 4.125%
HK$19,394
baseline
▲ 0.50% · 4.625%
HK$20,416
+HK$1,022/mo
Deposit HK$2.42M · loan HK$3.63M · min. income ≈ HK$38,788/mo (50% DSR)
Upfront cash ≈ HK$2.56M (deposit + AVD stamp duty HK$139,438 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,296
−HK$1,210/mo
▼ 0.25% · 3.875%
HK$19,896
−HK$610/mo
Today · 4.125%
HK$20,506
baseline
▲ 0.50% · 4.625%
HK$21,754
+HK$1,248/mo
Deposit HK$1.81M · loan HK$4.23M · min. income ≈ HK$41,012/mo (50% DSR)
Upfront cash ≈ HK$1.95M (deposit + AVD stamp duty HK$139,438 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,466
−HK$1,160/mo
▼ 0.25% · 3.875%
HK$22,042
−HK$584/mo
Today · 4.125%
HK$22,626
baseline
▲ 0.50% · 4.625%
HK$23,819
+HK$1,193/mo
Deposit HK$1.81M · loan HK$4.23M · min. income ≈ HK$45,252/mo (50% DSR)
Upfront cash ≈ HK$1.95M (deposit + AVD stamp duty HK$139,438 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,809
−HK$1,556/mo
▼ 0.25% · 3.875%
HK$25,581
−HK$784/mo
Today · 4.125%
HK$26,365
baseline
▲ 0.50% · 4.625%
HK$27,969
+HK$1,604/mo
Deposit HK$604K · loan HK$5.44M · min. income ≈ HK$52,730/mo (50% DSR)
Upfront cash ≈ HK$744K (deposit + AVD stamp duty HK$139,438 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,600
−HK$1,491/mo
▼ 0.25% · 3.875%
HK$28,340
−HK$751/mo
Today · 4.125%
HK$29,091
baseline
▲ 0.50% · 4.625%
HK$30,624
+HK$1,533/mo
Deposit HK$604K · loan HK$5.44M · min. income ≈ HK$58,182/mo (50% DSR)
Upfront cash ≈ HK$744K (deposit + AVD stamp duty HK$139,438 · 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).