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$13,773
−HK$863/mo
▼ 0.25% · 3.875%
HK$14,201
−HK$435/mo
Today · 4.125%
HK$14,636
baseline
▲ 0.50% · 4.625%
HK$15,527
+HK$891/mo
Deposit HK$3.02M · loan HK$3.02M · min. income ≈ HK$29,272/mo (50% DSR)
Upfront cash ≈ HK$3.16M (deposit + AVD stamp duty HK$138,992 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,322
−HK$828/mo
▼ 0.25% · 3.875%
HK$15,733
−HK$417/mo
Today · 4.125%
HK$16,150
baseline
▲ 0.50% · 4.625%
HK$17,001
+HK$851/mo
Deposit HK$3.02M · loan HK$3.02M · min. income ≈ HK$32,300/mo (50% DSR)
Upfront cash ≈ HK$3.16M (deposit + AVD stamp duty HK$138,992 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,527
−HK$1,036/mo
▼ 0.25% · 3.875%
HK$17,041
−HK$522/mo
Today · 4.125%
HK$17,563
baseline
▲ 0.50% · 4.625%
HK$18,632
+HK$1,069/mo
Deposit HK$2.42M · loan HK$3.62M · min. income ≈ HK$35,126/mo (50% DSR)
Upfront cash ≈ HK$2.55M (deposit + AVD stamp duty HK$138,992 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,386
−HK$994/mo
▼ 0.25% · 3.875%
HK$18,879
−HK$501/mo
Today · 4.125%
HK$19,380
baseline
▲ 0.50% · 4.625%
HK$20,401
+HK$1,021/mo
Deposit HK$2.42M · loan HK$3.62M · min. income ≈ HK$38,760/mo (50% DSR)
Upfront cash ≈ HK$2.55M (deposit + AVD stamp duty HK$138,992 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,282
−HK$1,209/mo
▼ 0.25% · 3.875%
HK$19,881
−HK$610/mo
Today · 4.125%
HK$20,491
baseline
▲ 0.50% · 4.625%
HK$21,738
+HK$1,247/mo
Deposit HK$1.81M · loan HK$4.23M · min. income ≈ HK$40,982/mo (50% DSR)
Upfront cash ≈ HK$1.95M (deposit + AVD stamp duty HK$138,992 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,451
−HK$1,158/mo
▼ 0.25% · 3.875%
HK$22,026
−HK$583/mo
Today · 4.125%
HK$22,609
baseline
▲ 0.50% · 4.625%
HK$23,801
+HK$1,192/mo
Deposit HK$1.81M · loan HK$4.23M · min. income ≈ HK$45,218/mo (50% DSR)
Upfront cash ≈ HK$1.95M (deposit + AVD stamp duty HK$138,992 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,791
−HK$1,554/mo
▼ 0.25% · 3.875%
HK$25,562
−HK$783/mo
Today · 4.125%
HK$26,345
baseline
▲ 0.50% · 4.625%
HK$27,948
+HK$1,603/mo
Deposit HK$604K · loan HK$5.44M · min. income ≈ HK$52,690/mo (50% DSR)
Upfront cash ≈ HK$743K (deposit + AVD stamp duty HK$138,992 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,579
−HK$1,490/mo
▼ 0.25% · 3.875%
HK$28,319
−HK$750/mo
Today · 4.125%
HK$29,069
baseline
▲ 0.50% · 4.625%
HK$30,602
+HK$1,533/mo
Deposit HK$604K · loan HK$5.44M · min. income ≈ HK$58,138/mo (50% DSR)
Upfront cash ≈ HK$743K (deposit + AVD stamp duty HK$138,992 · 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).