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$13,817
−HK$866/mo
▼ 0.25% · 3.875%
HK$14,246
−HK$437/mo
Today · 4.125%
HK$14,683
baseline
▲ 0.50% · 4.625%
HK$15,576
+HK$893/mo
Deposit HK$3.03M · loan HK$3.03M · min. income ≈ HK$29,366/mo (50% DSR)
Upfront cash ≈ HK$3.17M (deposit + AVD stamp duty HK$140,925 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,371
−HK$830/mo
▼ 0.25% · 3.875%
HK$15,783
−HK$418/mo
Today · 4.125%
HK$16,201
baseline
▲ 0.50% · 4.625%
HK$17,055
+HK$854/mo
Deposit HK$3.03M · loan HK$3.03M · min. income ≈ HK$32,402/mo (50% DSR)
Upfront cash ≈ HK$3.17M (deposit + AVD stamp duty HK$140,925 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,580
−HK$1,040/mo
▼ 0.25% · 3.875%
HK$17,096
−HK$524/mo
Today · 4.125%
HK$17,620
baseline
▲ 0.50% · 4.625%
HK$18,692
+HK$1,072/mo
Deposit HK$2.42M · loan HK$3.64M · min. income ≈ HK$35,240/mo (50% DSR)
Upfront cash ≈ HK$2.56M (deposit + AVD stamp duty HK$140,925 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,445
−HK$997/mo
▼ 0.25% · 3.875%
HK$18,940
−HK$502/mo
Today · 4.125%
HK$19,442
baseline
▲ 0.50% · 4.625%
HK$20,466
+HK$1,024/mo
Deposit HK$2.42M · loan HK$3.64M · min. income ≈ HK$38,884/mo (50% DSR)
Upfront cash ≈ HK$2.56M (deposit + AVD stamp duty HK$140,925 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,343
−HK$1,213/mo
▼ 0.25% · 3.875%
HK$19,945
−HK$611/mo
Today · 4.125%
HK$20,556
baseline
▲ 0.50% · 4.625%
HK$21,807
+HK$1,251/mo
Deposit HK$1.82M · loan HK$4.24M · min. income ≈ HK$41,112/mo (50% DSR)
Upfront cash ≈ HK$1.96M (deposit + AVD stamp duty HK$140,925 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,519
−HK$1,163/mo
▼ 0.25% · 3.875%
HK$22,096
−HK$586/mo
Today · 4.125%
HK$22,682
baseline
▲ 0.50% · 4.625%
HK$23,877
+HK$1,195/mo
Deposit HK$1.82M · loan HK$4.24M · min. income ≈ HK$45,364/mo (50% DSR)
Upfront cash ≈ HK$1.96M (deposit + AVD stamp duty HK$140,925 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,870
−HK$1,560/mo
▼ 0.25% · 3.875%
HK$25,644
−HK$786/mo
Today · 4.125%
HK$26,430
baseline
▲ 0.50% · 4.625%
HK$28,038
+HK$1,608/mo
Deposit HK$606K · loan HK$5.45M · min. income ≈ HK$52,860/mo (50% DSR)
Upfront cash ≈ HK$747K (deposit + AVD stamp duty HK$140,925 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,668
−HK$1,494/mo
▼ 0.25% · 3.875%
HK$28,410
−HK$752/mo
Today · 4.125%
HK$29,162
baseline
▲ 0.50% · 4.625%
HK$30,700
+HK$1,538/mo
Deposit HK$606K · loan HK$5.45M · min. income ≈ HK$58,324/mo (50% DSR)
Upfront cash ≈ HK$747K (deposit + AVD stamp duty HK$140,925 · 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).