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$13,775
−HK$864/mo
▼ 0.25% · 3.875%
HK$14,204
−HK$435/mo
Today · 4.125%
HK$14,639
baseline
▲ 0.50% · 4.625%
HK$15,530
+HK$891/mo
Deposit HK$3.02M · loan HK$3.02M · min. income ≈ HK$29,278/mo (50% DSR)
Upfront cash ≈ HK$3.16M (deposit + AVD stamp duty HK$139,110 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,325
−HK$828/mo
▼ 0.25% · 3.875%
HK$15,736
−HK$417/mo
Today · 4.125%
HK$16,153
baseline
▲ 0.50% · 4.625%
HK$17,004
+HK$851/mo
Deposit HK$3.02M · loan HK$3.02M · min. income ≈ HK$32,306/mo (50% DSR)
Upfront cash ≈ HK$3.16M (deposit + AVD stamp duty HK$139,110 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,530
−HK$1,037/mo
▼ 0.25% · 3.875%
HK$17,044
−HK$523/mo
Today · 4.125%
HK$17,567
baseline
▲ 0.50% · 4.625%
HK$18,636
+HK$1,069/mo
Deposit HK$2.42M · loan HK$3.62M · min. income ≈ HK$35,134/mo (50% DSR)
Upfront cash ≈ HK$2.56M (deposit + AVD stamp duty HK$139,110 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,390
−HK$993/mo
▼ 0.25% · 3.875%
HK$18,883
−HK$500/mo
Today · 4.125%
HK$19,383
baseline
▲ 0.50% · 4.625%
HK$20,405
+HK$1,022/mo
Deposit HK$2.42M · loan HK$3.62M · min. income ≈ HK$38,766/mo (50% DSR)
Upfront cash ≈ HK$2.56M (deposit + AVD stamp duty HK$139,110 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,285
−HK$1,210/mo
▼ 0.25% · 3.875%
HK$19,885
−HK$610/mo
Today · 4.125%
HK$20,495
baseline
▲ 0.50% · 4.625%
HK$21,742
+HK$1,247/mo
Deposit HK$1.81M · loan HK$4.23M · min. income ≈ HK$40,990/mo (50% DSR)
Upfront cash ≈ HK$1.95M (deposit + AVD stamp duty HK$139,110 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,455
−HK$1,159/mo
▼ 0.25% · 3.875%
HK$22,030
−HK$584/mo
Today · 4.125%
HK$22,614
baseline
▲ 0.50% · 4.625%
HK$23,806
+HK$1,192/mo
Deposit HK$1.81M · loan HK$4.23M · min. income ≈ HK$45,228/mo (50% DSR)
Upfront cash ≈ HK$1.95M (deposit + AVD stamp duty HK$139,110 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,795
−HK$1,555/mo
▼ 0.25% · 3.875%
HK$25,567
−HK$783/mo
Today · 4.125%
HK$26,350
baseline
▲ 0.50% · 4.625%
HK$27,954
+HK$1,604/mo
Deposit HK$604K · loan HK$5.44M · min. income ≈ HK$52,700/mo (50% DSR)
Upfront cash ≈ HK$743K (deposit + AVD stamp duty HK$139,110 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,585
−HK$1,490/mo
▼ 0.25% · 3.875%
HK$28,324
−HK$751/mo
Today · 4.125%
HK$29,075
baseline
▲ 0.50% · 4.625%
HK$30,608
+HK$1,533/mo
Deposit HK$604K · loan HK$5.44M · min. income ≈ HK$58,150/mo (50% DSR)
Upfront cash ≈ HK$743K (deposit + AVD stamp duty HK$139,110 · 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).