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$13,820
−HK$867/mo
▼ 0.25% · 3.875%
HK$14,250
−HK$437/mo
Today · 4.125%
HK$14,687
baseline
▲ 0.50% · 4.625%
HK$15,580
+HK$893/mo
Deposit HK$3.03M · loan HK$3.03M · min. income ≈ HK$29,374/mo (50% DSR)
Upfront cash ≈ HK$3.17M (deposit + AVD stamp duty HK$141,080 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,375
−HK$830/mo
▼ 0.25% · 3.875%
HK$15,787
−HK$418/mo
Today · 4.125%
HK$16,205
baseline
▲ 0.50% · 4.625%
HK$17,060
+HK$855/mo
Deposit HK$3.03M · loan HK$3.03M · min. income ≈ HK$32,410/mo (50% DSR)
Upfront cash ≈ HK$3.17M (deposit + AVD stamp duty HK$141,080 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,584
−HK$1,040/mo
▼ 0.25% · 3.875%
HK$17,100
−HK$524/mo
Today · 4.125%
HK$17,624
baseline
▲ 0.50% · 4.625%
HK$18,697
+HK$1,073/mo
Deposit HK$2.42M · loan HK$3.64M · min. income ≈ HK$35,248/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$141,080 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,450
−HK$997/mo
▼ 0.25% · 3.875%
HK$18,945
−HK$502/mo
Today · 4.125%
HK$19,447
baseline
▲ 0.50% · 4.625%
HK$20,472
+HK$1,025/mo
Deposit HK$2.42M · loan HK$3.64M · min. income ≈ HK$38,894/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$141,080 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,348
−HK$1,214/mo
▼ 0.25% · 3.875%
HK$19,950
−HK$612/mo
Today · 4.125%
HK$20,562
baseline
▲ 0.50% · 4.625%
HK$21,813
+HK$1,251/mo
Deposit HK$1.82M · loan HK$4.24M · min. income ≈ HK$41,124/mo (50% DSR)
Upfront cash ≈ HK$1.96M (deposit + AVD stamp duty HK$141,080 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,525
−HK$1,163/mo
▼ 0.25% · 3.875%
HK$22,102
−HK$586/mo
Today · 4.125%
HK$22,688
baseline
▲ 0.50% · 4.625%
HK$23,884
+HK$1,196/mo
Deposit HK$1.82M · loan HK$4.24M · min. income ≈ HK$45,376/mo (50% DSR)
Upfront cash ≈ HK$1.96M (deposit + AVD stamp duty HK$141,080 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,876
−HK$1,560/mo
▼ 0.25% · 3.875%
HK$25,650
−HK$786/mo
Today · 4.125%
HK$26,436
baseline
▲ 0.50% · 4.625%
HK$28,045
+HK$1,609/mo
Deposit HK$606K · loan HK$5.45M · min. income ≈ HK$52,872/mo (50% DSR)
Upfront cash ≈ HK$747K (deposit + AVD stamp duty HK$141,080 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,675
−HK$1,495/mo
▼ 0.25% · 3.875%
HK$28,417
−HK$753/mo
Today · 4.125%
HK$29,170
baseline
▲ 0.50% · 4.625%
HK$30,707
+HK$1,537/mo
Deposit HK$606K · loan HK$5.45M · min. income ≈ HK$58,340/mo (50% DSR)
Upfront cash ≈ HK$747K (deposit + AVD stamp duty HK$141,080 · 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).