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$13,781
−HK$864/mo
▼ 0.25% · 3.875%
HK$14,210
−HK$435/mo
Today · 4.125%
HK$14,645
baseline
▲ 0.50% · 4.625%
HK$15,536
+HK$891/mo
Deposit HK$3.02M · loan HK$3.02M · min. income ≈ HK$29,290/mo (50% DSR)
Upfront cash ≈ HK$3.16M (deposit + AVD stamp duty HK$139,359 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,331
−HK$828/mo
▼ 0.25% · 3.875%
HK$15,742
−HK$417/mo
Today · 4.125%
HK$16,159
baseline
▲ 0.50% · 4.625%
HK$17,011
+HK$852/mo
Deposit HK$3.02M · loan HK$3.02M · min. income ≈ HK$32,318/mo (50% DSR)
Upfront cash ≈ HK$3.16M (deposit + AVD stamp duty HK$139,359 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,537
−HK$1,037/mo
▼ 0.25% · 3.875%
HK$17,052
−HK$522/mo
Today · 4.125%
HK$17,574
baseline
▲ 0.50% · 4.625%
HK$18,643
+HK$1,069/mo
Deposit HK$2.42M · loan HK$3.63M · min. income ≈ HK$35,148/mo (50% DSR)
Upfront cash ≈ HK$2.56M (deposit + AVD stamp duty HK$139,359 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,397
−HK$994/mo
▼ 0.25% · 3.875%
HK$18,891
−HK$500/mo
Today · 4.125%
HK$19,391
baseline
▲ 0.50% · 4.625%
HK$20,413
+HK$1,022/mo
Deposit HK$2.42M · loan HK$3.63M · min. income ≈ HK$38,782/mo (50% DSR)
Upfront cash ≈ HK$2.56M (deposit + AVD stamp duty HK$139,359 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,293
−HK$1,210/mo
▼ 0.25% · 3.875%
HK$19,893
−HK$610/mo
Today · 4.125%
HK$20,503
baseline
▲ 0.50% · 4.625%
HK$21,751
+HK$1,248/mo
Deposit HK$1.81M · loan HK$4.23M · min. income ≈ HK$41,006/mo (50% DSR)
Upfront cash ≈ HK$1.95M (deposit + AVD stamp duty HK$139,359 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,464
−HK$1,159/mo
▼ 0.25% · 3.875%
HK$22,039
−HK$584/mo
Today · 4.125%
HK$22,623
baseline
▲ 0.50% · 4.625%
HK$23,816
+HK$1,193/mo
Deposit HK$1.81M · loan HK$4.23M · min. income ≈ HK$45,246/mo (50% DSR)
Upfront cash ≈ HK$1.95M (deposit + AVD stamp duty HK$139,359 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,806
−HK$1,555/mo
▼ 0.25% · 3.875%
HK$25,577
−HK$784/mo
Today · 4.125%
HK$26,361
baseline
▲ 0.50% · 4.625%
HK$27,965
+HK$1,604/mo
Deposit HK$604K · loan HK$5.44M · min. income ≈ HK$52,722/mo (50% DSR)
Upfront cash ≈ HK$744K (deposit + AVD stamp duty HK$139,359 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,596
−HK$1,491/mo
▼ 0.25% · 3.875%
HK$28,336
−HK$751/mo
Today · 4.125%
HK$29,087
baseline
▲ 0.50% · 4.625%
HK$30,620
+HK$1,533/mo
Deposit HK$604K · loan HK$5.44M · min. income ≈ HK$58,174/mo (50% DSR)
Upfront cash ≈ HK$744K (deposit + AVD stamp duty HK$139,359 · 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).