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$13,765
−HK$863/mo
▼ 0.25% · 3.875%
HK$14,193
−HK$435/mo
Today · 4.125%
HK$14,628
baseline
▲ 0.50% · 4.625%
HK$15,518
+HK$890/mo
Deposit HK$3.02M · loan HK$3.02M · min. income ≈ HK$29,256/mo (50% DSR)
Upfront cash ≈ HK$3.16M (deposit + AVD stamp duty HK$138,662 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,313
−HK$828/mo
▼ 0.25% · 3.875%
HK$15,724
−HK$417/mo
Today · 4.125%
HK$16,141
baseline
▲ 0.50% · 4.625%
HK$16,992
+HK$851/mo
Deposit HK$3.02M · loan HK$3.02M · min. income ≈ HK$32,282/mo (50% DSR)
Upfront cash ≈ HK$3.16M (deposit + AVD stamp duty HK$138,662 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,518
−HK$1,036/mo
▼ 0.25% · 3.875%
HK$17,032
−HK$522/mo
Today · 4.125%
HK$17,554
baseline
▲ 0.50% · 4.625%
HK$18,622
+HK$1,068/mo
Deposit HK$2.41M · loan HK$3.62M · min. income ≈ HK$35,108/mo (50% DSR)
Upfront cash ≈ HK$2.55M (deposit + AVD stamp duty HK$138,662 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,376
−HK$993/mo
▼ 0.25% · 3.875%
HK$18,869
−HK$500/mo
Today · 4.125%
HK$19,369
baseline
▲ 0.50% · 4.625%
HK$20,390
+HK$1,021/mo
Deposit HK$2.41M · loan HK$3.62M · min. income ≈ HK$38,738/mo (50% DSR)
Upfront cash ≈ HK$2.55M (deposit + AVD stamp duty HK$138,662 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,271
−HK$1,209/mo
▼ 0.25% · 3.875%
HK$19,870
−HK$610/mo
Today · 4.125%
HK$20,480
baseline
▲ 0.50% · 4.625%
HK$21,726
+HK$1,246/mo
Deposit HK$1.81M · loan HK$4.23M · min. income ≈ HK$40,960/mo (50% DSR)
Upfront cash ≈ HK$1.95M (deposit + AVD stamp duty HK$138,662 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,439
−HK$1,158/mo
▼ 0.25% · 3.875%
HK$22,014
−HK$583/mo
Today · 4.125%
HK$22,597
baseline
▲ 0.50% · 4.625%
HK$23,788
+HK$1,191/mo
Deposit HK$1.81M · loan HK$4.23M · min. income ≈ HK$45,194/mo (50% DSR)
Upfront cash ≈ HK$1.95M (deposit + AVD stamp duty HK$138,662 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,777
−HK$1,554/mo
▼ 0.25% · 3.875%
HK$25,548
−HK$783/mo
Today · 4.125%
HK$26,331
baseline
▲ 0.50% · 4.625%
HK$27,933
+HK$1,602/mo
Deposit HK$604K · loan HK$5.43M · min. income ≈ HK$52,662/mo (50% DSR)
Upfront cash ≈ HK$742K (deposit + AVD stamp duty HK$138,662 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,564
−HK$1,489/mo
▼ 0.25% · 3.875%
HK$28,303
−HK$750/mo
Today · 4.125%
HK$29,053
baseline
▲ 0.50% · 4.625%
HK$30,585
+HK$1,532/mo
Deposit HK$604K · loan HK$5.43M · min. income ≈ HK$58,106/mo (50% DSR)
Upfront cash ≈ HK$742K (deposit + AVD stamp duty HK$138,662 · 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).