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$13,768
−HK$863/mo
▼ 0.25% · 3.875%
HK$14,196
−HK$435/mo
Today · 4.125%
HK$14,631
baseline
▲ 0.50% · 4.625%
HK$15,522
+HK$891/mo
Deposit HK$3.02M · loan HK$3.02M · min. income ≈ HK$29,262/mo (50% DSR)
Upfront cash ≈ HK$3.16M (deposit + AVD stamp duty HK$138,787 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,317
−HK$827/mo
▼ 0.25% · 3.875%
HK$15,727
−HK$417/mo
Today · 4.125%
HK$16,144
baseline
▲ 0.50% · 4.625%
HK$16,995
+HK$851/mo
Deposit HK$3.02M · loan HK$3.02M · min. income ≈ HK$32,288/mo (50% DSR)
Upfront cash ≈ HK$3.16M (deposit + AVD stamp duty HK$138,787 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,521
−HK$1,036/mo
▼ 0.25% · 3.875%
HK$17,035
−HK$522/mo
Today · 4.125%
HK$17,557
baseline
▲ 0.50% · 4.625%
HK$18,626
+HK$1,069/mo
Deposit HK$2.42M · loan HK$3.62M · min. income ≈ HK$35,114/mo (50% DSR)
Upfront cash ≈ HK$2.55M (deposit + AVD stamp duty HK$138,787 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,380
−HK$993/mo
▼ 0.25% · 3.875%
HK$18,873
−HK$500/mo
Today · 4.125%
HK$19,373
baseline
▲ 0.50% · 4.625%
HK$20,394
+HK$1,021/mo
Deposit HK$2.42M · loan HK$3.62M · min. income ≈ HK$38,746/mo (50% DSR)
Upfront cash ≈ HK$2.55M (deposit + AVD stamp duty HK$138,787 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,275
−HK$1,209/mo
▼ 0.25% · 3.875%
HK$19,875
−HK$609/mo
Today · 4.125%
HK$20,484
baseline
▲ 0.50% · 4.625%
HK$21,730
+HK$1,246/mo
Deposit HK$1.81M · loan HK$4.23M · min. income ≈ HK$40,968/mo (50% DSR)
Upfront cash ≈ HK$1.95M (deposit + AVD stamp duty HK$138,787 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,443
−HK$1,159/mo
▼ 0.25% · 3.875%
HK$22,018
−HK$584/mo
Today · 4.125%
HK$22,602
baseline
▲ 0.50% · 4.625%
HK$23,793
+HK$1,191/mo
Deposit HK$1.81M · loan HK$4.23M · min. income ≈ HK$45,204/mo (50% DSR)
Upfront cash ≈ HK$1.95M (deposit + AVD stamp duty HK$138,787 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,782
−HK$1,554/mo
▼ 0.25% · 3.875%
HK$25,553
−HK$783/mo
Today · 4.125%
HK$26,336
baseline
▲ 0.50% · 4.625%
HK$27,939
+HK$1,603/mo
Deposit HK$604K · loan HK$5.43M · min. income ≈ HK$52,672/mo (50% DSR)
Upfront cash ≈ HK$743K (deposit + AVD stamp duty HK$138,787 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,570
−HK$1,489/mo
▼ 0.25% · 3.875%
HK$28,309
−HK$750/mo
Today · 4.125%
HK$29,059
baseline
▲ 0.50% · 4.625%
HK$30,591
+HK$1,532/mo
Deposit HK$604K · loan HK$5.43M · min. income ≈ HK$58,118/mo (50% DSR)
Upfront cash ≈ HK$743K (deposit + AVD stamp duty HK$138,787 · 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).