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$13,800
−HK$865/mo
▼ 0.25% · 3.875%
HK$14,229
−HK$436/mo
Today · 4.125%
HK$14,665
baseline
▲ 0.50% · 4.625%
HK$15,558
+HK$893/mo
Deposit HK$3.03M · loan HK$3.03M · min. income ≈ HK$29,330/mo (50% DSR)
Upfront cash ≈ HK$3.17M (deposit + AVD stamp duty HK$140,195 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,352
−HK$830/mo
▼ 0.25% · 3.875%
HK$15,764
−HK$418/mo
Today · 4.125%
HK$16,182
baseline
▲ 0.50% · 4.625%
HK$17,035
+HK$853/mo
Deposit HK$3.03M · loan HK$3.03M · min. income ≈ HK$32,364/mo (50% DSR)
Upfront cash ≈ HK$3.17M (deposit + AVD stamp duty HK$140,195 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,560
−HK$1,038/mo
▼ 0.25% · 3.875%
HK$17,075
−HK$523/mo
Today · 4.125%
HK$17,598
baseline
▲ 0.50% · 4.625%
HK$18,669
+HK$1,071/mo
Deposit HK$2.42M · loan HK$3.63M · min. income ≈ HK$35,196/mo (50% DSR)
Upfront cash ≈ HK$2.56M (deposit + AVD stamp duty HK$140,195 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,423
−HK$995/mo
▼ 0.25% · 3.875%
HK$18,917
−HK$501/mo
Today · 4.125%
HK$19,418
baseline
▲ 0.50% · 4.625%
HK$20,442
+HK$1,024/mo
Deposit HK$2.42M · loan HK$3.63M · min. income ≈ HK$38,836/mo (50% DSR)
Upfront cash ≈ HK$2.56M (deposit + AVD stamp duty HK$140,195 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,320
−HK$1,212/mo
▼ 0.25% · 3.875%
HK$19,921
−HK$611/mo
Today · 4.125%
HK$20,532
baseline
▲ 0.50% · 4.625%
HK$21,781
+HK$1,249/mo
Deposit HK$1.82M · loan HK$4.24M · min. income ≈ HK$41,064/mo (50% DSR)
Upfront cash ≈ HK$1.96M (deposit + AVD stamp duty HK$140,195 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,493
−HK$1,161/mo
▼ 0.25% · 3.875%
HK$22,070
−HK$584/mo
Today · 4.125%
HK$22,654
baseline
▲ 0.50% · 4.625%
HK$23,849
+HK$1,195/mo
Deposit HK$1.82M · loan HK$4.24M · min. income ≈ HK$45,308/mo (50% DSR)
Upfront cash ≈ HK$1.96M (deposit + AVD stamp duty HK$140,195 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,840
−HK$1,558/mo
▼ 0.25% · 3.875%
HK$25,613
−HK$785/mo
Today · 4.125%
HK$26,398
baseline
▲ 0.50% · 4.625%
HK$28,004
+HK$1,606/mo
Deposit HK$605K · loan HK$5.45M · min. income ≈ HK$52,796/mo (50% DSR)
Upfront cash ≈ HK$745K (deposit + AVD stamp duty HK$140,195 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,634
−HK$1,493/mo
▼ 0.25% · 3.875%
HK$28,375
−HK$752/mo
Today · 4.125%
HK$29,127
baseline
▲ 0.50% · 4.625%
HK$30,663
+HK$1,536/mo
Deposit HK$605K · loan HK$5.45M · min. income ≈ HK$58,254/mo (50% DSR)
Upfront cash ≈ HK$745K (deposit + AVD stamp duty HK$140,195 · 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).