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$13,777
−HK$864/mo
▼ 0.25% · 3.875%
HK$14,206
−HK$435/mo
Today · 4.125%
HK$14,641
baseline
▲ 0.50% · 4.625%
HK$15,532
+HK$891/mo
Deposit HK$3.02M · loan HK$3.02M · min. income ≈ HK$29,282/mo (50% DSR)
Upfront cash ≈ HK$3.16M (deposit + AVD stamp duty HK$139,205 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,327
−HK$828/mo
▼ 0.25% · 3.875%
HK$15,738
−HK$417/mo
Today · 4.125%
HK$16,155
baseline
▲ 0.50% · 4.625%
HK$17,007
+HK$852/mo
Deposit HK$3.02M · loan HK$3.02M · min. income ≈ HK$32,310/mo (50% DSR)
Upfront cash ≈ HK$3.16M (deposit + AVD stamp duty HK$139,205 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,533
−HK$1,037/mo
▼ 0.25% · 3.875%
HK$17,047
−HK$523/mo
Today · 4.125%
HK$17,570
baseline
▲ 0.50% · 4.625%
HK$18,639
+HK$1,069/mo
Deposit HK$2.42M · loan HK$3.63M · min. income ≈ HK$35,140/mo (50% DSR)
Upfront cash ≈ HK$2.56M (deposit + AVD stamp duty HK$139,205 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,393
−HK$993/mo
▼ 0.25% · 3.875%
HK$18,886
−HK$500/mo
Today · 4.125%
HK$19,386
baseline
▲ 0.50% · 4.625%
HK$20,408
+HK$1,022/mo
Deposit HK$2.42M · loan HK$3.63M · min. income ≈ HK$38,772/mo (50% DSR)
Upfront cash ≈ HK$2.56M (deposit + AVD stamp duty HK$139,205 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,288
−HK$1,210/mo
▼ 0.25% · 3.875%
HK$19,888
−HK$610/mo
Today · 4.125%
HK$20,498
baseline
▲ 0.50% · 4.625%
HK$21,745
+HK$1,247/mo
Deposit HK$1.81M · loan HK$4.23M · min. income ≈ HK$40,996/mo (50% DSR)
Upfront cash ≈ HK$1.95M (deposit + AVD stamp duty HK$139,205 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,458
−HK$1,159/mo
▼ 0.25% · 3.875%
HK$22,034
−HK$583/mo
Today · 4.125%
HK$22,617
baseline
▲ 0.50% · 4.625%
HK$23,810
+HK$1,193/mo
Deposit HK$1.81M · loan HK$4.23M · min. income ≈ HK$45,234/mo (50% DSR)
Upfront cash ≈ HK$1.95M (deposit + AVD stamp duty HK$139,205 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,799
−HK$1,556/mo
▼ 0.25% · 3.875%
HK$25,571
−HK$784/mo
Today · 4.125%
HK$26,355
baseline
▲ 0.50% · 4.625%
HK$27,958
+HK$1,603/mo
Deposit HK$604K · loan HK$5.44M · min. income ≈ HK$52,710/mo (50% DSR)
Upfront cash ≈ HK$743K (deposit + AVD stamp duty HK$139,205 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,589
−HK$1,491/mo
▼ 0.25% · 3.875%
HK$28,329
−HK$751/mo
Today · 4.125%
HK$29,080
baseline
▲ 0.50% · 4.625%
HK$30,612
+HK$1,532/mo
Deposit HK$604K · loan HK$5.44M · min. income ≈ HK$58,160/mo (50% DSR)
Upfront cash ≈ HK$743K (deposit + AVD stamp duty HK$139,205 · 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).