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$13,802
−HK$866/mo
▼ 0.25% · 3.875%
HK$14,232
−HK$436/mo
Today · 4.125%
HK$14,668
baseline
▲ 0.50% · 4.625%
HK$15,560
+HK$892/mo
Deposit HK$3.03M · loan HK$3.03M · min. income ≈ HK$29,336/mo (50% DSR)
Upfront cash ≈ HK$3.17M (deposit + AVD stamp duty HK$140,293 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,355
−HK$829/mo
▼ 0.25% · 3.875%
HK$15,767
−HK$417/mo
Today · 4.125%
HK$16,184
baseline
▲ 0.50% · 4.625%
HK$17,038
+HK$854/mo
Deposit HK$3.03M · loan HK$3.03M · min. income ≈ HK$32,368/mo (50% DSR)
Upfront cash ≈ HK$3.17M (deposit + AVD stamp duty HK$140,293 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,563
−HK$1,038/mo
▼ 0.25% · 3.875%
HK$17,078
−HK$523/mo
Today · 4.125%
HK$17,601
baseline
▲ 0.50% · 4.625%
HK$18,672
+HK$1,071/mo
Deposit HK$2.42M · loan HK$3.63M · min. income ≈ HK$35,202/mo (50% DSR)
Upfront cash ≈ HK$2.56M (deposit + AVD stamp duty HK$140,293 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,426
−HK$995/mo
▼ 0.25% · 3.875%
HK$18,920
−HK$501/mo
Today · 4.125%
HK$19,421
baseline
▲ 0.50% · 4.625%
HK$20,445
+HK$1,024/mo
Deposit HK$2.42M · loan HK$3.63M · min. income ≈ HK$38,842/mo (50% DSR)
Upfront cash ≈ HK$2.56M (deposit + AVD stamp duty HK$140,293 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,323
−HK$1,212/mo
▼ 0.25% · 3.875%
HK$19,924
−HK$611/mo
Today · 4.125%
HK$20,535
baseline
▲ 0.50% · 4.625%
HK$21,784
+HK$1,249/mo
Deposit HK$1.82M · loan HK$4.24M · min. income ≈ HK$41,070/mo (50% DSR)
Upfront cash ≈ HK$1.96M (deposit + AVD stamp duty HK$140,293 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,497
−HK$1,161/mo
▼ 0.25% · 3.875%
HK$22,073
−HK$585/mo
Today · 4.125%
HK$22,658
baseline
▲ 0.50% · 4.625%
HK$23,853
+HK$1,195/mo
Deposit HK$1.82M · loan HK$4.24M · min. income ≈ HK$45,316/mo (50% DSR)
Upfront cash ≈ HK$1.96M (deposit + AVD stamp duty HK$140,293 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,844
−HK$1,558/mo
▼ 0.25% · 3.875%
HK$25,617
−HK$785/mo
Today · 4.125%
HK$26,402
baseline
▲ 0.50% · 4.625%
HK$28,008
+HK$1,606/mo
Deposit HK$605K · loan HK$5.45M · min. income ≈ HK$52,804/mo (50% DSR)
Upfront cash ≈ HK$746K (deposit + AVD stamp duty HK$140,293 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,639
−HK$1,493/mo
▼ 0.25% · 3.875%
HK$28,380
−HK$752/mo
Today · 4.125%
HK$29,132
baseline
▲ 0.50% · 4.625%
HK$30,668
+HK$1,536/mo
Deposit HK$605K · loan HK$5.45M · min. income ≈ HK$58,264/mo (50% DSR)
Upfront cash ≈ HK$746K (deposit + AVD stamp duty HK$140,293 · 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).