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$13,798
−HK$865/mo
▼ 0.25% · 3.875%
HK$14,227
−HK$436/mo
Today · 4.125%
HK$14,663
baseline
▲ 0.50% · 4.625%
HK$15,555
+HK$892/mo
Deposit HK$3.03M · loan HK$3.03M · min. income ≈ HK$29,326/mo (50% DSR)
Upfront cash ≈ HK$3.17M (deposit + AVD stamp duty HK$140,088 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,350
−HK$829/mo
▼ 0.25% · 3.875%
HK$15,761
−HK$418/mo
Today · 4.125%
HK$16,179
baseline
▲ 0.50% · 4.625%
HK$17,032
+HK$853/mo
Deposit HK$3.03M · loan HK$3.03M · min. income ≈ HK$32,358/mo (50% DSR)
Upfront cash ≈ HK$3.17M (deposit + AVD stamp duty HK$140,088 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,557
−HK$1,038/mo
▼ 0.25% · 3.875%
HK$17,072
−HK$523/mo
Today · 4.125%
HK$17,595
baseline
▲ 0.50% · 4.625%
HK$18,666
+HK$1,071/mo
Deposit HK$2.42M · loan HK$3.63M · min. income ≈ HK$35,190/mo (50% DSR)
Upfront cash ≈ HK$2.56M (deposit + AVD stamp duty HK$140,088 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,420
−HK$995/mo
▼ 0.25% · 3.875%
HK$18,914
−HK$501/mo
Today · 4.125%
HK$19,415
baseline
▲ 0.50% · 4.625%
HK$20,438
+HK$1,023/mo
Deposit HK$2.42M · loan HK$3.63M · min. income ≈ HK$38,830/mo (50% DSR)
Upfront cash ≈ HK$2.56M (deposit + AVD stamp duty HK$140,088 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,317
−HK$1,211/mo
▼ 0.25% · 3.875%
HK$19,917
−HK$611/mo
Today · 4.125%
HK$20,528
baseline
▲ 0.50% · 4.625%
HK$21,777
+HK$1,249/mo
Deposit HK$1.82M · loan HK$4.24M · min. income ≈ HK$41,056/mo (50% DSR)
Upfront cash ≈ HK$1.96M (deposit + AVD stamp duty HK$140,088 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,489
−HK$1,162/mo
▼ 0.25% · 3.875%
HK$22,066
−HK$585/mo
Today · 4.125%
HK$22,651
baseline
▲ 0.50% · 4.625%
HK$23,844
+HK$1,193/mo
Deposit HK$1.82M · loan HK$4.24M · min. income ≈ HK$45,302/mo (50% DSR)
Upfront cash ≈ HK$1.96M (deposit + AVD stamp duty HK$140,088 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,836
−HK$1,557/mo
▼ 0.25% · 3.875%
HK$25,608
−HK$785/mo
Today · 4.125%
HK$26,393
baseline
▲ 0.50% · 4.625%
HK$27,999
+HK$1,606/mo
Deposit HK$605K · loan HK$5.45M · min. income ≈ HK$52,786/mo (50% DSR)
Upfront cash ≈ HK$745K (deposit + AVD stamp duty HK$140,088 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,629
−HK$1,493/mo
▼ 0.25% · 3.875%
HK$28,370
−HK$752/mo
Today · 4.125%
HK$29,122
baseline
▲ 0.50% · 4.625%
HK$30,657
+HK$1,535/mo
Deposit HK$605K · loan HK$5.45M · min. income ≈ HK$58,244/mo (50% DSR)
Upfront cash ≈ HK$745K (deposit + AVD stamp duty HK$140,088 · 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).