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$866/mo
▼ 0.25% · 3.875%
HK$14,230
−HK$437/mo
Today · 4.125%
HK$14,667
baseline
▲ 0.50% · 4.625%
HK$15,559
+HK$892/mo
Deposit HK$3.03M · loan HK$3.03M · min. income ≈ HK$29,334/mo (50% DSR)
Upfront cash ≈ HK$3.17M (deposit + AVD stamp duty HK$140,243 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,354
−HK$829/mo
▼ 0.25% · 3.875%
HK$15,765
−HK$418/mo
Today · 4.125%
HK$16,183
baseline
▲ 0.50% · 4.625%
HK$17,036
+HK$853/mo
Deposit HK$3.03M · loan HK$3.03M · min. income ≈ HK$32,366/mo (50% DSR)
Upfront cash ≈ HK$3.17M (deposit + AVD stamp duty HK$140,243 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,561
−HK$1,039/mo
▼ 0.25% · 3.875%
HK$17,076
−HK$524/mo
Today · 4.125%
HK$17,600
baseline
▲ 0.50% · 4.625%
HK$18,671
+HK$1,071/mo
Deposit HK$2.42M · loan HK$3.63M · min. income ≈ HK$35,200/mo (50% DSR)
Upfront cash ≈ HK$2.56M (deposit + AVD stamp duty HK$140,243 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,424
−HK$996/mo
▼ 0.25% · 3.875%
HK$18,918
−HK$502/mo
Today · 4.125%
HK$19,420
baseline
▲ 0.50% · 4.625%
HK$20,443
+HK$1,023/mo
Deposit HK$2.42M · loan HK$3.63M · min. income ≈ HK$38,840/mo (50% DSR)
Upfront cash ≈ HK$2.56M (deposit + AVD stamp duty HK$140,243 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,322
−HK$1,211/mo
▼ 0.25% · 3.875%
HK$19,923
−HK$610/mo
Today · 4.125%
HK$20,533
baseline
▲ 0.50% · 4.625%
HK$21,783
+HK$1,250/mo
Deposit HK$1.82M · loan HK$4.24M · min. income ≈ HK$41,066/mo (50% DSR)
Upfront cash ≈ HK$1.96M (deposit + AVD stamp duty HK$140,243 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,495
−HK$1,161/mo
▼ 0.25% · 3.875%
HK$22,071
−HK$585/mo
Today · 4.125%
HK$22,656
baseline
▲ 0.50% · 4.625%
HK$23,851
+HK$1,195/mo
Deposit HK$1.82M · loan HK$4.24M · min. income ≈ HK$45,312/mo (50% DSR)
Upfront cash ≈ HK$1.96M (deposit + AVD stamp duty HK$140,243 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,842
−HK$1,558/mo
▼ 0.25% · 3.875%
HK$25,615
−HK$785/mo
Today · 4.125%
HK$26,400
baseline
▲ 0.50% · 4.625%
HK$28,006
+HK$1,606/mo
Deposit HK$605K · loan HK$5.45M · min. income ≈ HK$52,800/mo (50% DSR)
Upfront cash ≈ HK$745K (deposit + AVD stamp duty HK$140,243 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,636
−HK$1,494/mo
▼ 0.25% · 3.875%
HK$28,378
−HK$752/mo
Today · 4.125%
HK$29,130
baseline
▲ 0.50% · 4.625%
HK$30,665
+HK$1,535/mo
Deposit HK$605K · loan HK$5.45M · min. income ≈ HK$58,260/mo (50% DSR)
Upfront cash ≈ HK$745K (deposit + AVD stamp duty HK$140,243 · 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).