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$13,806
−HK$866/mo
▼ 0.25% · 3.875%
HK$14,236
−HK$436/mo
Today · 4.125%
HK$14,672
baseline
▲ 0.50% · 4.625%
HK$15,565
+HK$893/mo
Deposit HK$3.03M · loan HK$3.03M · min. income ≈ HK$29,344/mo (50% DSR)
Upfront cash ≈ HK$3.17M (deposit + AVD stamp duty HK$140,472 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,359
−HK$830/mo
▼ 0.25% · 3.875%
HK$15,771
−HK$418/mo
Today · 4.125%
HK$16,189
baseline
▲ 0.50% · 4.625%
HK$17,043
+HK$854/mo
Deposit HK$3.03M · loan HK$3.03M · min. income ≈ HK$32,378/mo (50% DSR)
Upfront cash ≈ HK$3.17M (deposit + AVD stamp duty HK$140,472 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,568
−HK$1,038/mo
▼ 0.25% · 3.875%
HK$17,083
−HK$523/mo
Today · 4.125%
HK$17,606
baseline
▲ 0.50% · 4.625%
HK$18,678
+HK$1,072/mo
Deposit HK$2.42M · loan HK$3.63M · min. income ≈ HK$35,212/mo (50% DSR)
Upfront cash ≈ HK$2.56M (deposit + AVD stamp duty HK$140,472 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,431
−HK$996/mo
▼ 0.25% · 3.875%
HK$18,926
−HK$501/mo
Today · 4.125%
HK$19,427
baseline
▲ 0.50% · 4.625%
HK$20,451
+HK$1,024/mo
Deposit HK$2.42M · loan HK$3.63M · min. income ≈ HK$38,854/mo (50% DSR)
Upfront cash ≈ HK$2.56M (deposit + AVD stamp duty HK$140,472 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,329
−HK$1,212/mo
▼ 0.25% · 3.875%
HK$19,930
−HK$611/mo
Today · 4.125%
HK$20,541
baseline
▲ 0.50% · 4.625%
HK$21,791
+HK$1,250/mo
Deposit HK$1.82M · loan HK$4.24M · min. income ≈ HK$41,082/mo (50% DSR)
Upfront cash ≈ HK$1.96M (deposit + AVD stamp duty HK$140,472 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,503
−HK$1,162/mo
▼ 0.25% · 3.875%
HK$22,080
−HK$585/mo
Today · 4.125%
HK$22,665
baseline
▲ 0.50% · 4.625%
HK$23,860
+HK$1,195/mo
Deposit HK$1.82M · loan HK$4.24M · min. income ≈ HK$45,330/mo (50% DSR)
Upfront cash ≈ HK$1.96M (deposit + AVD stamp duty HK$140,472 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,851
−HK$1,559/mo
▼ 0.25% · 3.875%
HK$25,624
−HK$786/mo
Today · 4.125%
HK$26,410
baseline
▲ 0.50% · 4.625%
HK$28,017
+HK$1,607/mo
Deposit HK$605K · loan HK$5.45M · min. income ≈ HK$52,820/mo (50% DSR)
Upfront cash ≈ HK$746K (deposit + AVD stamp duty HK$140,472 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,647
−HK$1,494/mo
▼ 0.25% · 3.875%
HK$28,388
−HK$753/mo
Today · 4.125%
HK$29,141
baseline
▲ 0.50% · 4.625%
HK$30,677
+HK$1,536/mo
Deposit HK$605K · loan HK$5.45M · min. income ≈ HK$58,282/mo (50% DSR)
Upfront cash ≈ HK$746K (deposit + AVD stamp duty HK$140,472 · 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).