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$13,756
−HK$863/mo
▼ 0.25% · 3.875%
HK$14,184
−HK$435/mo
Today · 4.125%
HK$14,619
baseline
▲ 0.50% · 4.625%
HK$15,508
+HK$889/mo
Deposit HK$3.02M · loan HK$3.02M · min. income ≈ HK$29,238/mo (50% DSR)
Upfront cash ≈ HK$3.15M (deposit + AVD stamp duty HK$138,270 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,304
−HK$826/mo
▼ 0.25% · 3.875%
HK$15,714
−HK$416/mo
Today · 4.125%
HK$16,130
baseline
▲ 0.50% · 4.625%
HK$16,981
+HK$851/mo
Deposit HK$3.02M · loan HK$3.02M · min. income ≈ HK$32,260/mo (50% DSR)
Upfront cash ≈ HK$3.15M (deposit + AVD stamp duty HK$138,270 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,507
−HK$1,035/mo
▼ 0.25% · 3.875%
HK$17,021
−HK$521/mo
Today · 4.125%
HK$17,542
baseline
▲ 0.50% · 4.625%
HK$18,610
+HK$1,068/mo
Deposit HK$2.41M · loan HK$3.62M · min. income ≈ HK$35,084/mo (50% DSR)
Upfront cash ≈ HK$2.55M (deposit + AVD stamp duty HK$138,270 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,364
−HK$992/mo
▼ 0.25% · 3.875%
HK$18,857
−HK$499/mo
Today · 4.125%
HK$19,356
baseline
▲ 0.50% · 4.625%
HK$20,377
+HK$1,021/mo
Deposit HK$2.41M · loan HK$3.62M · min. income ≈ HK$38,712/mo (50% DSR)
Upfront cash ≈ HK$2.55M (deposit + AVD stamp duty HK$138,270 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,259
−HK$1,207/mo
▼ 0.25% · 3.875%
HK$19,858
−HK$608/mo
Today · 4.125%
HK$20,466
baseline
▲ 0.50% · 4.625%
HK$21,712
+HK$1,246/mo
Deposit HK$1.81M · loan HK$4.22M · min. income ≈ HK$40,932/mo (50% DSR)
Upfront cash ≈ HK$1.95M (deposit + AVD stamp duty HK$138,270 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,425
−HK$1,157/mo
▼ 0.25% · 3.875%
HK$22,000
−HK$582/mo
Today · 4.125%
HK$22,582
baseline
▲ 0.50% · 4.625%
HK$23,773
+HK$1,191/mo
Deposit HK$1.81M · loan HK$4.22M · min. income ≈ HK$45,164/mo (50% DSR)
Upfront cash ≈ HK$1.95M (deposit + AVD stamp duty HK$138,270 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,761
−HK$1,553/mo
▼ 0.25% · 3.875%
HK$25,531
−HK$783/mo
Today · 4.125%
HK$26,314
baseline
▲ 0.50% · 4.625%
HK$27,915
+HK$1,601/mo
Deposit HK$603K · loan HK$5.43M · min. income ≈ HK$52,628/mo (50% DSR)
Upfront cash ≈ HK$742K (deposit + AVD stamp duty HK$138,270 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,546
−HK$1,489/mo
▼ 0.25% · 3.875%
HK$28,285
−HK$750/mo
Today · 4.125%
HK$29,035
baseline
▲ 0.50% · 4.625%
HK$30,565
+HK$1,530/mo
Deposit HK$603K · loan HK$5.43M · min. income ≈ HK$58,070/mo (50% DSR)
Upfront cash ≈ HK$742K (deposit + AVD stamp duty HK$138,270 · 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).