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$13,766
−HK$863/mo
▼ 0.25% · 3.875%
HK$14,194
−HK$435/mo
Today · 4.125%
HK$14,629
baseline
▲ 0.50% · 4.625%
HK$15,519
+HK$890/mo
Deposit HK$3.02M · loan HK$3.02M · min. income ≈ HK$29,258/mo (50% DSR)
Upfront cash ≈ HK$3.16M (deposit + AVD stamp duty HK$138,690 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,314
−HK$828/mo
▼ 0.25% · 3.875%
HK$15,725
−HK$417/mo
Today · 4.125%
HK$16,142
baseline
▲ 0.50% · 4.625%
HK$16,992
+HK$850/mo
Deposit HK$3.02M · loan HK$3.02M · min. income ≈ HK$32,284/mo (50% DSR)
Upfront cash ≈ HK$3.16M (deposit + AVD stamp duty HK$138,690 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,519
−HK$1,036/mo
▼ 0.25% · 3.875%
HK$17,033
−HK$522/mo
Today · 4.125%
HK$17,555
baseline
▲ 0.50% · 4.625%
HK$18,623
+HK$1,068/mo
Deposit HK$2.41M · loan HK$3.62M · min. income ≈ HK$35,110/mo (50% DSR)
Upfront cash ≈ HK$2.55M (deposit + AVD stamp duty HK$138,690 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,377
−HK$993/mo
▼ 0.25% · 3.875%
HK$18,870
−HK$500/mo
Today · 4.125%
HK$19,370
baseline
▲ 0.50% · 4.625%
HK$20,391
+HK$1,021/mo
Deposit HK$2.41M · loan HK$3.62M · min. income ≈ HK$38,740/mo (50% DSR)
Upfront cash ≈ HK$2.55M (deposit + AVD stamp duty HK$138,690 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,272
−HK$1,208/mo
▼ 0.25% · 3.875%
HK$19,871
−HK$609/mo
Today · 4.125%
HK$20,480
baseline
▲ 0.50% · 4.625%
HK$21,727
+HK$1,247/mo
Deposit HK$1.81M · loan HK$4.23M · min. income ≈ HK$40,960/mo (50% DSR)
Upfront cash ≈ HK$1.95M (deposit + AVD stamp duty HK$138,690 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,440
−HK$1,158/mo
▼ 0.25% · 3.875%
HK$22,015
−HK$583/mo
Today · 4.125%
HK$22,598
baseline
▲ 0.50% · 4.625%
HK$23,789
+HK$1,191/mo
Deposit HK$1.81M · loan HK$4.23M · min. income ≈ HK$45,196/mo (50% DSR)
Upfront cash ≈ HK$1.95M (deposit + AVD stamp duty HK$138,690 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,778
−HK$1,554/mo
▼ 0.25% · 3.875%
HK$25,549
−HK$783/mo
Today · 4.125%
HK$26,332
baseline
▲ 0.50% · 4.625%
HK$27,934
+HK$1,602/mo
Deposit HK$604K · loan HK$5.43M · min. income ≈ HK$52,664/mo (50% DSR)
Upfront cash ≈ HK$742K (deposit + AVD stamp duty HK$138,690 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,565
−HK$1,490/mo
▼ 0.25% · 3.875%
HK$28,305
−HK$750/mo
Today · 4.125%
HK$29,055
baseline
▲ 0.50% · 4.625%
HK$30,586
+HK$1,531/mo
Deposit HK$604K · loan HK$5.43M · min. income ≈ HK$58,110/mo (50% DSR)
Upfront cash ≈ HK$742K (deposit + AVD stamp duty HK$138,690 · 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).