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$13,818
−HK$867/mo
▼ 0.25% · 3.875%
HK$14,248
−HK$437/mo
Today · 4.125%
HK$14,685
baseline
▲ 0.50% · 4.625%
HK$15,578
+HK$893/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$140,990 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,373
−HK$830/mo
▼ 0.25% · 3.875%
HK$15,785
−HK$418/mo
Today · 4.125%
HK$16,203
baseline
▲ 0.50% · 4.625%
HK$17,057
+HK$854/mo
Deposit HK$3.03M · loan HK$3.03M · min. income ≈ HK$32,406/mo (50% DSR)
Upfront cash ≈ HK$3.17M (deposit + AVD stamp duty HK$140,990 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,582
−HK$1,040/mo
▼ 0.25% · 3.875%
HK$17,098
−HK$524/mo
Today · 4.125%
HK$17,622
baseline
▲ 0.50% · 4.625%
HK$18,694
+HK$1,072/mo
Deposit HK$2.42M · loan HK$3.64M · min. income ≈ HK$35,244/mo (50% DSR)
Upfront cash ≈ HK$2.56M (deposit + AVD stamp duty HK$140,990 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,447
−HK$997/mo
▼ 0.25% · 3.875%
HK$18,942
−HK$502/mo
Today · 4.125%
HK$19,444
baseline
▲ 0.50% · 4.625%
HK$20,469
+HK$1,025/mo
Deposit HK$2.42M · loan HK$3.64M · min. income ≈ HK$38,888/mo (50% DSR)
Upfront cash ≈ HK$2.56M (deposit + AVD stamp duty HK$140,990 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,345
−HK$1,213/mo
▼ 0.25% · 3.875%
HK$19,947
−HK$611/mo
Today · 4.125%
HK$20,558
baseline
▲ 0.50% · 4.625%
HK$21,809
+HK$1,251/mo
Deposit HK$1.82M · loan HK$4.24M · min. income ≈ HK$41,116/mo (50% DSR)
Upfront cash ≈ HK$1.96M (deposit + AVD stamp duty HK$140,990 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,522
−HK$1,162/mo
▼ 0.25% · 3.875%
HK$22,099
−HK$585/mo
Today · 4.125%
HK$22,684
baseline
▲ 0.50% · 4.625%
HK$23,880
+HK$1,196/mo
Deposit HK$1.82M · loan HK$4.24M · min. income ≈ HK$45,368/mo (50% DSR)
Upfront cash ≈ HK$1.96M (deposit + AVD stamp duty HK$140,990 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,873
−HK$1,559/mo
▼ 0.25% · 3.875%
HK$25,646
−HK$786/mo
Today · 4.125%
HK$26,432
baseline
▲ 0.50% · 4.625%
HK$28,041
+HK$1,609/mo
Deposit HK$606K · loan HK$5.45M · min. income ≈ HK$52,864/mo (50% DSR)
Upfront cash ≈ HK$747K (deposit + AVD stamp duty HK$140,990 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,671
−HK$1,494/mo
▼ 0.25% · 3.875%
HK$28,413
−HK$752/mo
Today · 4.125%
HK$29,165
baseline
▲ 0.50% · 4.625%
HK$30,703
+HK$1,538/mo
Deposit HK$606K · loan HK$5.45M · min. income ≈ HK$58,330/mo (50% DSR)
Upfront cash ≈ HK$747K (deposit + AVD stamp duty HK$140,990 · 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).