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$13,819
−HK$866/mo
▼ 0.25% · 3.875%
HK$14,249
−HK$436/mo
Today · 4.125%
HK$14,685
baseline
▲ 0.50% · 4.625%
HK$15,579
+HK$894/mo
Deposit HK$3.03M · loan HK$3.03M · min. income ≈ HK$29,370/mo (50% DSR)
Upfront cash ≈ HK$3.17M (deposit + AVD stamp duty HK$141,019 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,373
−HK$831/mo
▼ 0.25% · 3.875%
HK$15,786
−HK$418/mo
Today · 4.125%
HK$16,204
baseline
▲ 0.50% · 4.625%
HK$17,058
+HK$854/mo
Deposit HK$3.03M · loan HK$3.03M · min. income ≈ HK$32,408/mo (50% DSR)
Upfront cash ≈ HK$3.17M (deposit + AVD stamp duty HK$141,019 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,583
−HK$1,039/mo
▼ 0.25% · 3.875%
HK$17,098
−HK$524/mo
Today · 4.125%
HK$17,622
baseline
▲ 0.50% · 4.625%
HK$18,695
+HK$1,073/mo
Deposit HK$2.42M · loan HK$3.64M · min. income ≈ HK$35,244/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$141,019 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,448
−HK$997/mo
▼ 0.25% · 3.875%
HK$18,943
−HK$502/mo
Today · 4.125%
HK$19,445
baseline
▲ 0.50% · 4.625%
HK$20,470
+HK$1,025/mo
Deposit HK$2.42M · loan HK$3.64M · min. income ≈ HK$38,890/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$141,019 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,346
−HK$1,213/mo
▼ 0.25% · 3.875%
HK$19,948
−HK$611/mo
Today · 4.125%
HK$20,559
baseline
▲ 0.50% · 4.625%
HK$21,810
+HK$1,251/mo
Deposit HK$1.82M · loan HK$4.24M · min. income ≈ HK$41,118/mo (50% DSR)
Upfront cash ≈ HK$1.96M (deposit + AVD stamp duty HK$141,019 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,523
−HK$1,162/mo
▼ 0.25% · 3.875%
HK$22,100
−HK$585/mo
Today · 4.125%
HK$22,685
baseline
▲ 0.50% · 4.625%
HK$23,881
+HK$1,196/mo
Deposit HK$1.82M · loan HK$4.24M · min. income ≈ HK$45,370/mo (50% DSR)
Upfront cash ≈ HK$1.96M (deposit + AVD stamp duty HK$141,019 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,874
−HK$1,560/mo
▼ 0.25% · 3.875%
HK$25,648
−HK$786/mo
Today · 4.125%
HK$26,434
baseline
▲ 0.50% · 4.625%
HK$28,042
+HK$1,608/mo
Deposit HK$606K · loan HK$5.45M · min. income ≈ HK$52,868/mo (50% DSR)
Upfront cash ≈ HK$747K (deposit + AVD stamp duty HK$141,019 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,672
−HK$1,495/mo
▼ 0.25% · 3.875%
HK$28,414
−HK$753/mo
Today · 4.125%
HK$29,167
baseline
▲ 0.50% · 4.625%
HK$30,704
+HK$1,537/mo
Deposit HK$606K · loan HK$5.45M · min. income ≈ HK$58,334/mo (50% DSR)
Upfront cash ≈ HK$747K (deposit + AVD stamp duty HK$141,019 · 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).