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$13,813
−HK$866/mo
▼ 0.25% · 3.875%
HK$14,243
−HK$436/mo
Today · 4.125%
HK$14,679
baseline
▲ 0.50% · 4.625%
HK$15,573
+HK$894/mo
Deposit HK$3.03M · loan HK$3.03M · min. income ≈ HK$29,358/mo (50% DSR)
Upfront cash ≈ HK$3.17M (deposit + AVD stamp duty HK$140,775 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,367
−HK$830/mo
▼ 0.25% · 3.875%
HK$15,779
−HK$418/mo
Today · 4.125%
HK$16,197
baseline
▲ 0.50% · 4.625%
HK$17,051
+HK$854/mo
Deposit HK$3.03M · loan HK$3.03M · min. income ≈ HK$32,394/mo (50% DSR)
Upfront cash ≈ HK$3.17M (deposit + AVD stamp duty HK$140,775 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,576
−HK$1,039/mo
▼ 0.25% · 3.875%
HK$17,091
−HK$524/mo
Today · 4.125%
HK$17,615
baseline
▲ 0.50% · 4.625%
HK$18,687
+HK$1,072/mo
Deposit HK$2.42M · loan HK$3.63M · min. income ≈ HK$35,230/mo (50% DSR)
Upfront cash ≈ HK$2.56M (deposit + AVD stamp duty HK$140,775 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,440
−HK$997/mo
▼ 0.25% · 3.875%
HK$18,935
−HK$502/mo
Today · 4.125%
HK$19,437
baseline
▲ 0.50% · 4.625%
HK$20,461
+HK$1,024/mo
Deposit HK$2.42M · loan HK$3.63M · min. income ≈ HK$38,874/mo (50% DSR)
Upfront cash ≈ HK$2.56M (deposit + AVD stamp duty HK$140,775 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,338
−HK$1,213/mo
▼ 0.25% · 3.875%
HK$19,940
−HK$611/mo
Today · 4.125%
HK$20,551
baseline
▲ 0.50% · 4.625%
HK$21,802
+HK$1,251/mo
Deposit HK$1.82M · loan HK$4.24M · min. income ≈ HK$41,102/mo (50% DSR)
Upfront cash ≈ HK$1.96M (deposit + AVD stamp duty HK$140,775 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,514
−HK$1,162/mo
▼ 0.25% · 3.875%
HK$22,091
−HK$585/mo
Today · 4.125%
HK$22,676
baseline
▲ 0.50% · 4.625%
HK$23,872
+HK$1,196/mo
Deposit HK$1.82M · loan HK$4.24M · min. income ≈ HK$45,352/mo (50% DSR)
Upfront cash ≈ HK$1.96M (deposit + AVD stamp duty HK$140,775 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,864
−HK$1,559/mo
▼ 0.25% · 3.875%
HK$25,637
−HK$786/mo
Today · 4.125%
HK$26,423
baseline
▲ 0.50% · 4.625%
HK$28,031
+HK$1,608/mo
Deposit HK$606K · loan HK$5.45M · min. income ≈ HK$52,846/mo (50% DSR)
Upfront cash ≈ HK$747K (deposit + AVD stamp duty HK$140,775 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,661
−HK$1,494/mo
▼ 0.25% · 3.875%
HK$28,403
−HK$752/mo
Today · 4.125%
HK$29,155
baseline
▲ 0.50% · 4.625%
HK$30,692
+HK$1,537/mo
Deposit HK$606K · loan HK$5.45M · min. income ≈ HK$58,310/mo (50% DSR)
Upfront cash ≈ HK$747K (deposit + AVD stamp duty HK$140,775 · 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).