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$13,761
−HK$863/mo
▼ 0.25% · 3.875%
HK$14,189
−HK$435/mo
Today · 4.125%
HK$14,624
baseline
▲ 0.50% · 4.625%
HK$15,514
+HK$890/mo
Deposit HK$3.02M · loan HK$3.02M · min. income ≈ HK$29,248/mo (50% DSR)
Upfront cash ≈ HK$3.16M (deposit + AVD stamp duty HK$138,497 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,309
−HK$827/mo
▼ 0.25% · 3.875%
HK$15,720
−HK$416/mo
Today · 4.125%
HK$16,136
baseline
▲ 0.50% · 4.625%
HK$16,987
+HK$851/mo
Deposit HK$3.02M · loan HK$3.02M · min. income ≈ HK$32,272/mo (50% DSR)
Upfront cash ≈ HK$3.16M (deposit + AVD stamp duty HK$138,497 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,514
−HK$1,035/mo
▼ 0.25% · 3.875%
HK$17,027
−HK$522/mo
Today · 4.125%
HK$17,549
baseline
▲ 0.50% · 4.625%
HK$18,617
+HK$1,068/mo
Deposit HK$2.41M · loan HK$3.62M · min. income ≈ HK$35,098/mo (50% DSR)
Upfront cash ≈ HK$2.55M (deposit + AVD stamp duty HK$138,497 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,371
−HK$993/mo
▼ 0.25% · 3.875%
HK$18,864
−HK$500/mo
Today · 4.125%
HK$19,364
baseline
▲ 0.50% · 4.625%
HK$20,384
+HK$1,020/mo
Deposit HK$2.41M · loan HK$3.62M · min. income ≈ HK$38,728/mo (50% DSR)
Upfront cash ≈ HK$2.55M (deposit + AVD stamp duty HK$138,497 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,266
−HK$1,208/mo
▼ 0.25% · 3.875%
HK$19,865
−HK$609/mo
Today · 4.125%
HK$20,474
baseline
▲ 0.50% · 4.625%
HK$21,720
+HK$1,246/mo
Deposit HK$1.81M · loan HK$4.22M · min. income ≈ HK$40,948/mo (50% DSR)
Upfront cash ≈ HK$1.95M (deposit + AVD stamp duty HK$138,497 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,433
−HK$1,158/mo
▼ 0.25% · 3.875%
HK$22,008
−HK$583/mo
Today · 4.125%
HK$22,591
baseline
▲ 0.50% · 4.625%
HK$23,782
+HK$1,191/mo
Deposit HK$1.81M · loan HK$4.22M · min. income ≈ HK$45,182/mo (50% DSR)
Upfront cash ≈ HK$1.95M (deposit + AVD stamp duty HK$138,497 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,770
−HK$1,554/mo
▼ 0.25% · 3.875%
HK$25,541
−HK$783/mo
Today · 4.125%
HK$26,324
baseline
▲ 0.50% · 4.625%
HK$27,925
+HK$1,601/mo
Deposit HK$603K · loan HK$5.43M · min. income ≈ HK$52,648/mo (50% DSR)
Upfront cash ≈ HK$742K (deposit + AVD stamp duty HK$138,497 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,557
−HK$1,489/mo
▼ 0.25% · 3.875%
HK$28,296
−HK$750/mo
Today · 4.125%
HK$29,046
baseline
▲ 0.50% · 4.625%
HK$30,577
+HK$1,531/mo
Deposit HK$603K · loan HK$5.43M · min. income ≈ HK$58,092/mo (50% DSR)
Upfront cash ≈ HK$742K (deposit + AVD stamp duty HK$138,497 · 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).