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$13,769
−HK$863/mo
▼ 0.25% · 3.875%
HK$14,197
−HK$435/mo
Today · 4.125%
HK$14,632
baseline
▲ 0.50% · 4.625%
HK$15,522
+HK$890/mo
Deposit HK$3.02M · loan HK$3.02M · min. income ≈ HK$29,264/mo (50% DSR)
Upfront cash ≈ HK$3.16M (deposit + AVD stamp duty HK$138,815 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,317
−HK$828/mo
▼ 0.25% · 3.875%
HK$15,728
−HK$417/mo
Today · 4.125%
HK$16,145
baseline
▲ 0.50% · 4.625%
HK$16,996
+HK$851/mo
Deposit HK$3.02M · loan HK$3.02M · min. income ≈ HK$32,290/mo (50% DSR)
Upfront cash ≈ HK$3.16M (deposit + AVD stamp duty HK$138,815 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,522
−HK$1,036/mo
▼ 0.25% · 3.875%
HK$17,036
−HK$522/mo
Today · 4.125%
HK$17,558
baseline
▲ 0.50% · 4.625%
HK$18,627
+HK$1,069/mo
Deposit HK$2.42M · loan HK$3.62M · min. income ≈ HK$35,116/mo (50% DSR)
Upfront cash ≈ HK$2.55M (deposit + AVD stamp duty HK$138,815 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,381
−HK$993/mo
▼ 0.25% · 3.875%
HK$18,874
−HK$500/mo
Today · 4.125%
HK$19,374
baseline
▲ 0.50% · 4.625%
HK$20,395
+HK$1,021/mo
Deposit HK$2.42M · loan HK$3.62M · min. income ≈ HK$38,748/mo (50% DSR)
Upfront cash ≈ HK$2.55M (deposit + AVD stamp duty HK$138,815 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,276
−HK$1,209/mo
▼ 0.25% · 3.875%
HK$19,876
−HK$609/mo
Today · 4.125%
HK$20,485
baseline
▲ 0.50% · 4.625%
HK$21,731
+HK$1,246/mo
Deposit HK$1.81M · loan HK$4.23M · min. income ≈ HK$40,970/mo (50% DSR)
Upfront cash ≈ HK$1.95M (deposit + AVD stamp duty HK$138,815 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,444
−HK$1,159/mo
▼ 0.25% · 3.875%
HK$22,019
−HK$584/mo
Today · 4.125%
HK$22,603
baseline
▲ 0.50% · 4.625%
HK$23,794
+HK$1,191/mo
Deposit HK$1.81M · loan HK$4.23M · min. income ≈ HK$45,206/mo (50% DSR)
Upfront cash ≈ HK$1.95M (deposit + AVD stamp duty HK$138,815 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,783
−HK$1,554/mo
▼ 0.25% · 3.875%
HK$25,554
−HK$783/mo
Today · 4.125%
HK$26,337
baseline
▲ 0.50% · 4.625%
HK$27,940
+HK$1,603/mo
Deposit HK$604K · loan HK$5.43M · min. income ≈ HK$52,674/mo (50% DSR)
Upfront cash ≈ HK$743K (deposit + AVD stamp duty HK$138,815 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,571
−HK$1,490/mo
▼ 0.25% · 3.875%
HK$28,311
−HK$750/mo
Today · 4.125%
HK$29,061
baseline
▲ 0.50% · 4.625%
HK$30,593
+HK$1,532/mo
Deposit HK$604K · loan HK$5.43M · min. income ≈ HK$58,122/mo (50% DSR)
Upfront cash ≈ HK$743K (deposit + AVD stamp duty HK$138,815 · 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).