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$13,806
−HK$865/mo
▼ 0.25% · 3.875%
HK$14,235
−HK$436/mo
Today · 4.125%
HK$14,671
baseline
▲ 0.50% · 4.625%
HK$15,564
+HK$893/mo
Deposit HK$3.03M · loan HK$3.03M · min. income ≈ HK$29,342/mo (50% DSR)
Upfront cash ≈ HK$3.17M (deposit + AVD stamp duty HK$140,448 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,359
−HK$830/mo
▼ 0.25% · 3.875%
HK$15,771
−HK$418/mo
Today · 4.125%
HK$16,189
baseline
▲ 0.50% · 4.625%
HK$17,042
+HK$853/mo
Deposit HK$3.03M · loan HK$3.03M · min. income ≈ HK$32,378/mo (50% DSR)
Upfront cash ≈ HK$3.17M (deposit + AVD stamp duty HK$140,448 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,567
−HK$1,039/mo
▼ 0.25% · 3.875%
HK$17,082
−HK$524/mo
Today · 4.125%
HK$17,606
baseline
▲ 0.50% · 4.625%
HK$18,677
+HK$1,071/mo
Deposit HK$2.42M · loan HK$3.63M · min. income ≈ HK$35,212/mo (50% DSR)
Upfront cash ≈ HK$2.56M (deposit + AVD stamp duty HK$140,448 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,431
−HK$995/mo
▼ 0.25% · 3.875%
HK$18,925
−HK$501/mo
Today · 4.125%
HK$19,426
baseline
▲ 0.50% · 4.625%
HK$20,450
+HK$1,024/mo
Deposit HK$2.42M · loan HK$3.63M · min. income ≈ HK$38,852/mo (50% DSR)
Upfront cash ≈ HK$2.56M (deposit + AVD stamp duty HK$140,448 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,328
−HK$1,212/mo
▼ 0.25% · 3.875%
HK$19,929
−HK$611/mo
Today · 4.125%
HK$20,540
baseline
▲ 0.50% · 4.625%
HK$21,790
+HK$1,250/mo
Deposit HK$1.82M · loan HK$4.24M · min. income ≈ HK$41,080/mo (50% DSR)
Upfront cash ≈ HK$1.96M (deposit + AVD stamp duty HK$140,448 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,502
−HK$1,162/mo
▼ 0.25% · 3.875%
HK$22,079
−HK$585/mo
Today · 4.125%
HK$22,664
baseline
▲ 0.50% · 4.625%
HK$23,859
+HK$1,195/mo
Deposit HK$1.82M · loan HK$4.24M · min. income ≈ HK$45,328/mo (50% DSR)
Upfront cash ≈ HK$1.96M (deposit + AVD stamp duty HK$140,448 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,850
−HK$1,559/mo
▼ 0.25% · 3.875%
HK$25,623
−HK$786/mo
Today · 4.125%
HK$26,409
baseline
▲ 0.50% · 4.625%
HK$28,016
+HK$1,607/mo
Deposit HK$605K · loan HK$5.45M · min. income ≈ HK$52,818/mo (50% DSR)
Upfront cash ≈ HK$746K (deposit + AVD stamp duty HK$140,448 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,646
−HK$1,493/mo
▼ 0.25% · 3.875%
HK$28,387
−HK$752/mo
Today · 4.125%
HK$29,139
baseline
▲ 0.50% · 4.625%
HK$30,675
+HK$1,536/mo
Deposit HK$605K · loan HK$5.45M · min. income ≈ HK$58,278/mo (50% DSR)
Upfront cash ≈ HK$746K (deposit + AVD stamp duty HK$140,448 · 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).