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$13,774
−HK$864/mo
▼ 0.25% · 3.875%
HK$14,202
−HK$436/mo
Today · 4.125%
HK$14,638
baseline
▲ 0.50% · 4.625%
HK$15,528
+HK$890/mo
Deposit HK$3.02M · loan HK$3.02M · min. income ≈ HK$29,276/mo (50% DSR)
Upfront cash ≈ HK$3.16M (deposit + AVD stamp duty HK$139,056 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,323
−HK$828/mo
▼ 0.25% · 3.875%
HK$15,734
−HK$417/mo
Today · 4.125%
HK$16,151
baseline
▲ 0.50% · 4.625%
HK$17,003
+HK$852/mo
Deposit HK$3.02M · loan HK$3.02M · min. income ≈ HK$32,302/mo (50% DSR)
Upfront cash ≈ HK$3.16M (deposit + AVD stamp duty HK$139,056 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,529
−HK$1,036/mo
▼ 0.25% · 3.875%
HK$17,043
−HK$522/mo
Today · 4.125%
HK$17,565
baseline
▲ 0.50% · 4.625%
HK$18,634
+HK$1,069/mo
Deposit HK$2.42M · loan HK$3.62M · min. income ≈ HK$35,130/mo (50% DSR)
Upfront cash ≈ HK$2.56M (deposit + AVD stamp duty HK$139,056 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,388
−HK$994/mo
▼ 0.25% · 3.875%
HK$18,881
−HK$501/mo
Today · 4.125%
HK$19,382
baseline
▲ 0.50% · 4.625%
HK$20,403
+HK$1,021/mo
Deposit HK$2.42M · loan HK$3.62M · min. income ≈ HK$38,764/mo (50% DSR)
Upfront cash ≈ HK$2.56M (deposit + AVD stamp duty HK$139,056 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,284
−HK$1,209/mo
▼ 0.25% · 3.875%
HK$19,883
−HK$610/mo
Today · 4.125%
HK$20,493
baseline
▲ 0.50% · 4.625%
HK$21,740
+HK$1,247/mo
Deposit HK$1.81M · loan HK$4.23M · min. income ≈ HK$40,986/mo (50% DSR)
Upfront cash ≈ HK$1.95M (deposit + AVD stamp duty HK$139,056 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,453
−HK$1,159/mo
▼ 0.25% · 3.875%
HK$22,028
−HK$584/mo
Today · 4.125%
HK$22,612
baseline
▲ 0.50% · 4.625%
HK$23,804
+HK$1,192/mo
Deposit HK$1.81M · loan HK$4.23M · min. income ≈ HK$45,224/mo (50% DSR)
Upfront cash ≈ HK$1.95M (deposit + AVD stamp duty HK$139,056 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,793
−HK$1,555/mo
▼ 0.25% · 3.875%
HK$25,564
−HK$784/mo
Today · 4.125%
HK$26,348
baseline
▲ 0.50% · 4.625%
HK$27,951
+HK$1,603/mo
Deposit HK$604K · loan HK$5.44M · min. income ≈ HK$52,696/mo (50% DSR)
Upfront cash ≈ HK$743K (deposit + AVD stamp duty HK$139,056 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,582
−HK$1,490/mo
▼ 0.25% · 3.875%
HK$28,322
−HK$750/mo
Today · 4.125%
HK$29,072
baseline
▲ 0.50% · 4.625%
HK$30,605
+HK$1,533/mo
Deposit HK$604K · loan HK$5.44M · min. income ≈ HK$58,144/mo (50% DSR)
Upfront cash ≈ HK$743K (deposit + AVD stamp duty HK$139,056 · 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).