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$13,752
−HK$862/mo
▼ 0.25% · 3.875%
HK$14,180
−HK$434/mo
Today · 4.125%
HK$14,614
baseline
▲ 0.50% · 4.625%
HK$15,504
+HK$890/mo
Deposit HK$3.02M · loan HK$3.02M · min. income ≈ HK$29,228/mo (50% DSR)
Upfront cash ≈ HK$3.15M (deposit + AVD stamp duty HK$138,092 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,299
−HK$827/mo
▼ 0.25% · 3.875%
HK$15,709
−HK$417/mo
Today · 4.125%
HK$16,126
baseline
▲ 0.50% · 4.625%
HK$16,976
+HK$850/mo
Deposit HK$3.02M · loan HK$3.02M · min. income ≈ HK$32,252/mo (50% DSR)
Upfront cash ≈ HK$3.15M (deposit + AVD stamp duty HK$138,092 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,502
−HK$1,035/mo
▼ 0.25% · 3.875%
HK$17,016
−HK$521/mo
Today · 4.125%
HK$17,537
baseline
▲ 0.50% · 4.625%
HK$18,604
+HK$1,067/mo
Deposit HK$2.41M · loan HK$3.62M · min. income ≈ HK$35,074/mo (50% DSR)
Upfront cash ≈ HK$2.55M (deposit + AVD stamp duty HK$138,092 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,359
−HK$992/mo
▼ 0.25% · 3.875%
HK$18,851
−HK$500/mo
Today · 4.125%
HK$19,351
baseline
▲ 0.50% · 4.625%
HK$20,371
+HK$1,020/mo
Deposit HK$2.41M · loan HK$3.62M · min. income ≈ HK$38,702/mo (50% DSR)
Upfront cash ≈ HK$2.55M (deposit + AVD stamp duty HK$138,092 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,253
−HK$1,207/mo
▼ 0.25% · 3.875%
HK$19,852
−HK$608/mo
Today · 4.125%
HK$20,460
baseline
▲ 0.50% · 4.625%
HK$21,705
+HK$1,245/mo
Deposit HK$1.81M · loan HK$4.22M · min. income ≈ HK$40,920/mo (50% DSR)
Upfront cash ≈ HK$1.95M (deposit + AVD stamp duty HK$138,092 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,419
−HK$1,157/mo
▼ 0.25% · 3.875%
HK$21,993
−HK$583/mo
Today · 4.125%
HK$22,576
baseline
▲ 0.50% · 4.625%
HK$23,766
+HK$1,190/mo
Deposit HK$1.81M · loan HK$4.22M · min. income ≈ HK$45,152/mo (50% DSR)
Upfront cash ≈ HK$1.95M (deposit + AVD stamp duty HK$138,092 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,754
−HK$1,552/mo
▼ 0.25% · 3.875%
HK$25,524
−HK$782/mo
Today · 4.125%
HK$26,306
baseline
▲ 0.50% · 4.625%
HK$27,907
+HK$1,601/mo
Deposit HK$603K · loan HK$5.43M · min. income ≈ HK$52,612/mo (50% DSR)
Upfront cash ≈ HK$741K (deposit + AVD stamp duty HK$138,092 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,538
−HK$1,488/mo
▼ 0.25% · 3.875%
HK$28,277
−HK$749/mo
Today · 4.125%
HK$29,026
baseline
▲ 0.50% · 4.625%
HK$30,556
+HK$1,530/mo
Deposit HK$603K · loan HK$5.43M · min. income ≈ HK$58,052/mo (50% DSR)
Upfront cash ≈ HK$741K (deposit + AVD stamp duty HK$138,092 · 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).