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$13,804
−HK$866/mo
▼ 0.25% · 3.875%
HK$14,234
−HK$436/mo
Today · 4.125%
HK$14,670
baseline
▲ 0.50% · 4.625%
HK$15,563
+HK$893/mo
Deposit HK$3.03M · loan HK$3.03M · min. income ≈ HK$29,340/mo (50% DSR)
Upfront cash ≈ HK$3.17M (deposit + AVD stamp duty HK$140,385 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,357
−HK$830/mo
▼ 0.25% · 3.875%
HK$15,769
−HK$418/mo
Today · 4.125%
HK$16,187
baseline
▲ 0.50% · 4.625%
HK$17,040
+HK$853/mo
Deposit HK$3.03M · loan HK$3.03M · min. income ≈ HK$32,374/mo (50% DSR)
Upfront cash ≈ HK$3.17M (deposit + AVD stamp duty HK$140,385 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,565
−HK$1,039/mo
▼ 0.25% · 3.875%
HK$17,080
−HK$524/mo
Today · 4.125%
HK$17,604
baseline
▲ 0.50% · 4.625%
HK$18,675
+HK$1,071/mo
Deposit HK$2.42M · loan HK$3.63M · min. income ≈ HK$35,208/mo (50% DSR)
Upfront cash ≈ HK$2.56M (deposit + AVD stamp duty HK$140,385 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,429
−HK$995/mo
▼ 0.25% · 3.875%
HK$18,923
−HK$501/mo
Today · 4.125%
HK$19,424
baseline
▲ 0.50% · 4.625%
HK$20,448
+HK$1,024/mo
Deposit HK$2.42M · loan HK$3.63M · min. income ≈ HK$38,848/mo (50% DSR)
Upfront cash ≈ HK$2.56M (deposit + AVD stamp duty HK$140,385 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,326
−HK$1,212/mo
▼ 0.25% · 3.875%
HK$19,927
−HK$611/mo
Today · 4.125%
HK$20,538
baseline
▲ 0.50% · 4.625%
HK$21,788
+HK$1,250/mo
Deposit HK$1.82M · loan HK$4.24M · min. income ≈ HK$41,076/mo (50% DSR)
Upfront cash ≈ HK$1.96M (deposit + AVD stamp duty HK$140,385 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,500
−HK$1,162/mo
▼ 0.25% · 3.875%
HK$22,077
−HK$585/mo
Today · 4.125%
HK$22,662
baseline
▲ 0.50% · 4.625%
HK$23,856
+HK$1,194/mo
Deposit HK$1.82M · loan HK$4.24M · min. income ≈ HK$45,324/mo (50% DSR)
Upfront cash ≈ HK$1.96M (deposit + AVD stamp duty HK$140,385 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,848
−HK$1,558/mo
▼ 0.25% · 3.875%
HK$25,621
−HK$785/mo
Today · 4.125%
HK$26,406
baseline
▲ 0.50% · 4.625%
HK$28,013
+HK$1,607/mo
Deposit HK$605K · loan HK$5.45M · min. income ≈ HK$52,812/mo (50% DSR)
Upfront cash ≈ HK$746K (deposit + AVD stamp duty HK$140,385 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,643
−HK$1,493/mo
▼ 0.25% · 3.875%
HK$28,384
−HK$752/mo
Today · 4.125%
HK$29,136
baseline
▲ 0.50% · 4.625%
HK$30,672
+HK$1,536/mo
Deposit HK$605K · loan HK$5.45M · min. income ≈ HK$58,272/mo (50% DSR)
Upfront cash ≈ HK$746K (deposit + AVD stamp duty HK$140,385 · 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).