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$13,801
−HK$865/mo
▼ 0.25% · 3.875%
HK$14,230
−HK$436/mo
Today · 4.125%
HK$14,666
baseline
▲ 0.50% · 4.625%
HK$15,558
+HK$892/mo
Deposit HK$3.03M · loan HK$3.03M · min. income ≈ HK$29,332/mo (50% DSR)
Upfront cash ≈ HK$3.17M (deposit + AVD stamp duty HK$140,218 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,353
−HK$829/mo
▼ 0.25% · 3.875%
HK$15,765
−HK$417/mo
Today · 4.125%
HK$16,182
baseline
▲ 0.50% · 4.625%
HK$17,035
+HK$853/mo
Deposit HK$3.03M · loan HK$3.03M · min. income ≈ HK$32,364/mo (50% DSR)
Upfront cash ≈ HK$3.17M (deposit + AVD stamp duty HK$140,218 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,561
−HK$1,038/mo
▼ 0.25% · 3.875%
HK$17,076
−HK$523/mo
Today · 4.125%
HK$17,599
baseline
▲ 0.50% · 4.625%
HK$18,670
+HK$1,071/mo
Deposit HK$2.42M · loan HK$3.63M · min. income ≈ HK$35,198/mo (50% DSR)
Upfront cash ≈ HK$2.56M (deposit + AVD stamp duty HK$140,218 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,424
−HK$995/mo
▼ 0.25% · 3.875%
HK$18,918
−HK$501/mo
Today · 4.125%
HK$19,419
baseline
▲ 0.50% · 4.625%
HK$20,442
+HK$1,023/mo
Deposit HK$2.42M · loan HK$3.63M · min. income ≈ HK$38,838/mo (50% DSR)
Upfront cash ≈ HK$2.56M (deposit + AVD stamp duty HK$140,218 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,321
−HK$1,211/mo
▼ 0.25% · 3.875%
HK$19,922
−HK$610/mo
Today · 4.125%
HK$20,532
baseline
▲ 0.50% · 4.625%
HK$21,782
+HK$1,250/mo
Deposit HK$1.82M · loan HK$4.24M · min. income ≈ HK$41,064/mo (50% DSR)
Upfront cash ≈ HK$1.96M (deposit + AVD stamp duty HK$140,218 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,494
−HK$1,161/mo
▼ 0.25% · 3.875%
HK$22,071
−HK$584/mo
Today · 4.125%
HK$22,655
baseline
▲ 0.50% · 4.625%
HK$23,850
+HK$1,195/mo
Deposit HK$1.82M · loan HK$4.24M · min. income ≈ HK$45,310/mo (50% DSR)
Upfront cash ≈ HK$1.96M (deposit + AVD stamp duty HK$140,218 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,841
−HK$1,558/mo
▼ 0.25% · 3.875%
HK$25,614
−HK$785/mo
Today · 4.125%
HK$26,399
baseline
▲ 0.50% · 4.625%
HK$28,005
+HK$1,606/mo
Deposit HK$605K · loan HK$5.45M · min. income ≈ HK$52,798/mo (50% DSR)
Upfront cash ≈ HK$745K (deposit + AVD stamp duty HK$140,218 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,635
−HK$1,493/mo
▼ 0.25% · 3.875%
HK$28,376
−HK$752/mo
Today · 4.125%
HK$29,128
baseline
▲ 0.50% · 4.625%
HK$30,664
+HK$1,536/mo
Deposit HK$605K · loan HK$5.45M · min. income ≈ HK$58,256/mo (50% DSR)
Upfront cash ≈ HK$745K (deposit + AVD stamp duty HK$140,218 · 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).