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$13,783
−HK$865/mo
▼ 0.25% · 3.875%
HK$14,212
−HK$436/mo
Today · 4.125%
HK$14,648
baseline
▲ 0.50% · 4.625%
HK$15,539
+HK$891/mo
Deposit HK$3.02M · loan HK$3.02M · min. income ≈ HK$29,296/mo (50% DSR)
Upfront cash ≈ HK$3.16M (deposit + AVD stamp duty HK$139,464 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,334
−HK$828/mo
▼ 0.25% · 3.875%
HK$15,745
−HK$417/mo
Today · 4.125%
HK$16,162
baseline
▲ 0.50% · 4.625%
HK$17,014
+HK$852/mo
Deposit HK$3.02M · loan HK$3.02M · min. income ≈ HK$32,324/mo (50% DSR)
Upfront cash ≈ HK$3.16M (deposit + AVD stamp duty HK$139,464 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,540
−HK$1,037/mo
▼ 0.25% · 3.875%
HK$17,054
−HK$523/mo
Today · 4.125%
HK$17,577
baseline
▲ 0.50% · 4.625%
HK$18,647
+HK$1,070/mo
Deposit HK$2.42M · loan HK$3.63M · min. income ≈ HK$35,154/mo (50% DSR)
Upfront cash ≈ HK$2.56M (deposit + AVD stamp duty HK$139,464 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,401
−HK$994/mo
▼ 0.25% · 3.875%
HK$18,894
−HK$501/mo
Today · 4.125%
HK$19,395
baseline
▲ 0.50% · 4.625%
HK$20,417
+HK$1,022/mo
Deposit HK$2.42M · loan HK$3.63M · min. income ≈ HK$38,790/mo (50% DSR)
Upfront cash ≈ HK$2.56M (deposit + AVD stamp duty HK$139,464 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,297
−HK$1,210/mo
▼ 0.25% · 3.875%
HK$19,897
−HK$610/mo
Today · 4.125%
HK$20,507
baseline
▲ 0.50% · 4.625%
HK$21,755
+HK$1,248/mo
Deposit HK$1.81M · loan HK$4.23M · min. income ≈ HK$41,014/mo (50% DSR)
Upfront cash ≈ HK$1.95M (deposit + AVD stamp duty HK$139,464 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,467
−HK$1,160/mo
▼ 0.25% · 3.875%
HK$22,043
−HK$584/mo
Today · 4.125%
HK$22,627
baseline
▲ 0.50% · 4.625%
HK$23,820
+HK$1,193/mo
Deposit HK$1.81M · loan HK$4.23M · min. income ≈ HK$45,254/mo (50% DSR)
Upfront cash ≈ HK$1.95M (deposit + AVD stamp duty HK$139,464 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,810
−HK$1,556/mo
▼ 0.25% · 3.875%
HK$25,582
−HK$784/mo
Today · 4.125%
HK$26,366
baseline
▲ 0.50% · 4.625%
HK$27,970
+HK$1,604/mo
Deposit HK$604K · loan HK$5.44M · min. income ≈ HK$52,732/mo (50% DSR)
Upfront cash ≈ HK$744K (deposit + AVD stamp duty HK$139,464 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,601
−HK$1,491/mo
▼ 0.25% · 3.875%
HK$28,341
−HK$751/mo
Today · 4.125%
HK$29,092
baseline
▲ 0.50% · 4.625%
HK$30,626
+HK$1,534/mo
Deposit HK$604K · loan HK$5.44M · min. income ≈ HK$58,184/mo (50% DSR)
Upfront cash ≈ HK$744K (deposit + AVD stamp duty HK$139,464 · 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).