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$13,796
−HK$866/mo
▼ 0.25% · 3.875%
HK$14,226
−HK$436/mo
Today · 4.125%
HK$14,662
baseline
▲ 0.50% · 4.625%
HK$15,554
+HK$892/mo
Deposit HK$3.03M · loan HK$3.03M · min. income ≈ HK$29,324/mo (50% DSR)
Upfront cash ≈ HK$3.17M (deposit + AVD stamp duty HK$140,042 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,348
−HK$830/mo
▼ 0.25% · 3.875%
HK$15,760
−HK$418/mo
Today · 4.125%
HK$16,178
baseline
▲ 0.50% · 4.625%
HK$17,030
+HK$852/mo
Deposit HK$3.03M · loan HK$3.03M · min. income ≈ HK$32,356/mo (50% DSR)
Upfront cash ≈ HK$3.17M (deposit + AVD stamp duty HK$140,042 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,556
−HK$1,038/mo
▼ 0.25% · 3.875%
HK$17,071
−HK$523/mo
Today · 4.125%
HK$17,594
baseline
▲ 0.50% · 4.625%
HK$18,665
+HK$1,071/mo
Deposit HK$2.42M · loan HK$3.63M · min. income ≈ HK$35,188/mo (50% DSR)
Upfront cash ≈ HK$2.56M (deposit + AVD stamp duty HK$140,042 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,418
−HK$995/mo
▼ 0.25% · 3.875%
HK$18,912
−HK$501/mo
Today · 4.125%
HK$19,413
baseline
▲ 0.50% · 4.625%
HK$20,437
+HK$1,024/mo
Deposit HK$2.42M · loan HK$3.63M · min. income ≈ HK$38,826/mo (50% DSR)
Upfront cash ≈ HK$2.56M (deposit + AVD stamp duty HK$140,042 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,315
−HK$1,211/mo
▼ 0.25% · 3.875%
HK$19,916
−HK$610/mo
Today · 4.125%
HK$20,526
baseline
▲ 0.50% · 4.625%
HK$21,775
+HK$1,249/mo
Deposit HK$1.82M · loan HK$4.24M · min. income ≈ HK$41,052/mo (50% DSR)
Upfront cash ≈ HK$1.96M (deposit + AVD stamp duty HK$140,042 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,488
−HK$1,161/mo
▼ 0.25% · 3.875%
HK$22,064
−HK$585/mo
Today · 4.125%
HK$22,649
baseline
▲ 0.50% · 4.625%
HK$23,843
+HK$1,194/mo
Deposit HK$1.82M · loan HK$4.24M · min. income ≈ HK$45,298/mo (50% DSR)
Upfront cash ≈ HK$1.96M (deposit + AVD stamp duty HK$140,042 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,834
−HK$1,557/mo
▼ 0.25% · 3.875%
HK$25,606
−HK$785/mo
Today · 4.125%
HK$26,391
baseline
▲ 0.50% · 4.625%
HK$27,997
+HK$1,606/mo
Deposit HK$605K · loan HK$5.45M · min. income ≈ HK$52,782/mo (50% DSR)
Upfront cash ≈ HK$745K (deposit + AVD stamp duty HK$140,042 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,627
−HK$1,493/mo
▼ 0.25% · 3.875%
HK$28,368
−HK$752/mo
Today · 4.125%
HK$29,120
baseline
▲ 0.50% · 4.625%
HK$30,655
+HK$1,535/mo
Deposit HK$605K · loan HK$5.45M · min. income ≈ HK$58,240/mo (50% DSR)
Upfront cash ≈ HK$745K (deposit + AVD stamp duty HK$140,042 · 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).