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$13,794
−HK$865/mo
▼ 0.25% · 3.875%
HK$14,223
−HK$436/mo
Today · 4.125%
HK$14,659
baseline
▲ 0.50% · 4.625%
HK$15,551
+HK$892/mo
Deposit HK$3.02M · loan HK$3.02M · min. income ≈ HK$29,318/mo (50% DSR)
Upfront cash ≈ HK$3.16M (deposit + AVD stamp duty HK$139,925 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,346
−HK$829/mo
▼ 0.25% · 3.875%
HK$15,757
−HK$418/mo
Today · 4.125%
HK$16,175
baseline
▲ 0.50% · 4.625%
HK$17,027
+HK$852/mo
Deposit HK$3.02M · loan HK$3.02M · min. income ≈ HK$32,350/mo (50% DSR)
Upfront cash ≈ HK$3.16M (deposit + AVD stamp duty HK$139,925 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,553
−HK$1,038/mo
▼ 0.25% · 3.875%
HK$17,067
−HK$524/mo
Today · 4.125%
HK$17,591
baseline
▲ 0.50% · 4.625%
HK$18,661
+HK$1,070/mo
Deposit HK$2.42M · loan HK$3.63M · min. income ≈ HK$35,182/mo (50% DSR)
Upfront cash ≈ HK$2.56M (deposit + AVD stamp duty HK$139,925 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,415
−HK$994/mo
▼ 0.25% · 3.875%
HK$18,908
−HK$501/mo
Today · 4.125%
HK$19,409
baseline
▲ 0.50% · 4.625%
HK$20,433
+HK$1,024/mo
Deposit HK$2.42M · loan HK$3.63M · min. income ≈ HK$38,818/mo (50% DSR)
Upfront cash ≈ HK$2.56M (deposit + AVD stamp duty HK$139,925 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,311
−HK$1,211/mo
▼ 0.25% · 3.875%
HK$19,912
−HK$610/mo
Today · 4.125%
HK$20,522
baseline
▲ 0.50% · 4.625%
HK$21,771
+HK$1,249/mo
Deposit HK$1.81M · loan HK$4.23M · min. income ≈ HK$41,044/mo (50% DSR)
Upfront cash ≈ HK$1.95M (deposit + AVD stamp duty HK$139,925 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,484
−HK$1,160/mo
▼ 0.25% · 3.875%
HK$22,060
−HK$584/mo
Today · 4.125%
HK$22,644
baseline
▲ 0.50% · 4.625%
HK$23,838
+HK$1,194/mo
Deposit HK$1.81M · loan HK$4.23M · min. income ≈ HK$45,288/mo (50% DSR)
Upfront cash ≈ HK$1.95M (deposit + AVD stamp duty HK$139,925 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,829
−HK$1,557/mo
▼ 0.25% · 3.875%
HK$25,601
−HK$785/mo
Today · 4.125%
HK$26,386
baseline
▲ 0.50% · 4.625%
HK$27,991
+HK$1,605/mo
Deposit HK$605K · loan HK$5.44M · min. income ≈ HK$52,772/mo (50% DSR)
Upfront cash ≈ HK$745K (deposit + AVD stamp duty HK$139,925 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,622
−HK$1,492/mo
▼ 0.25% · 3.875%
HK$28,363
−HK$751/mo
Today · 4.125%
HK$29,114
baseline
▲ 0.50% · 4.625%
HK$30,649
+HK$1,535/mo
Deposit HK$605K · loan HK$5.44M · min. income ≈ HK$58,228/mo (50% DSR)
Upfront cash ≈ HK$745K (deposit + AVD stamp duty HK$139,925 · 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).