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$13,814
−HK$867/mo
▼ 0.25% · 3.875%
HK$14,244
−HK$437/mo
Today · 4.125%
HK$14,681
baseline
▲ 0.50% · 4.625%
HK$15,574
+HK$893/mo
Deposit HK$3.03M · loan HK$3.03M · min. income ≈ HK$29,362/mo (50% DSR)
Upfront cash ≈ HK$3.17M (deposit + AVD stamp duty HK$140,831 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,368
−HK$831/mo
▼ 0.25% · 3.875%
HK$15,781
−HK$418/mo
Today · 4.125%
HK$16,199
baseline
▲ 0.50% · 4.625%
HK$17,053
+HK$854/mo
Deposit HK$3.03M · loan HK$3.03M · min. income ≈ HK$32,398/mo (50% DSR)
Upfront cash ≈ HK$3.17M (deposit + AVD stamp duty HK$140,831 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,577
−HK$1,040/mo
▼ 0.25% · 3.875%
HK$17,093
−HK$524/mo
Today · 4.125%
HK$17,617
baseline
▲ 0.50% · 4.625%
HK$18,689
+HK$1,072/mo
Deposit HK$2.42M · loan HK$3.63M · min. income ≈ HK$35,234/mo (50% DSR)
Upfront cash ≈ HK$2.56M (deposit + AVD stamp duty HK$140,831 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,442
−HK$997/mo
▼ 0.25% · 3.875%
HK$18,937
−HK$502/mo
Today · 4.125%
HK$19,439
baseline
▲ 0.50% · 4.625%
HK$20,463
+HK$1,024/mo
Deposit HK$2.42M · loan HK$3.63M · min. income ≈ HK$38,878/mo (50% DSR)
Upfront cash ≈ HK$2.56M (deposit + AVD stamp duty HK$140,831 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,340
−HK$1,213/mo
▼ 0.25% · 3.875%
HK$19,942
−HK$611/mo
Today · 4.125%
HK$20,553
baseline
▲ 0.50% · 4.625%
HK$21,804
+HK$1,251/mo
Deposit HK$1.82M · loan HK$4.24M · min. income ≈ HK$41,106/mo (50% DSR)
Upfront cash ≈ HK$1.96M (deposit + AVD stamp duty HK$140,831 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,516
−HK$1,162/mo
▼ 0.25% · 3.875%
HK$22,093
−HK$585/mo
Today · 4.125%
HK$22,678
baseline
▲ 0.50% · 4.625%
HK$23,874
+HK$1,196/mo
Deposit HK$1.82M · loan HK$4.24M · min. income ≈ HK$45,356/mo (50% DSR)
Upfront cash ≈ HK$1.96M (deposit + AVD stamp duty HK$140,831 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,866
−HK$1,559/mo
▼ 0.25% · 3.875%
HK$25,640
−HK$785/mo
Today · 4.125%
HK$26,425
baseline
▲ 0.50% · 4.625%
HK$28,033
+HK$1,608/mo
Deposit HK$606K · loan HK$5.45M · min. income ≈ HK$52,850/mo (50% DSR)
Upfront cash ≈ HK$747K (deposit + AVD stamp duty HK$140,831 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,663
−HK$1,495/mo
▼ 0.25% · 3.875%
HK$28,405
−HK$753/mo
Today · 4.125%
HK$29,158
baseline
▲ 0.50% · 4.625%
HK$30,695
+HK$1,537/mo
Deposit HK$606K · loan HK$5.45M · min. income ≈ HK$58,316/mo (50% DSR)
Upfront cash ≈ HK$747K (deposit + AVD stamp duty HK$140,831 · 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).