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$13,810
−HK$865/mo
▼ 0.25% · 3.875%
HK$14,239
−HK$436/mo
Today · 4.125%
HK$14,675
baseline
▲ 0.50% · 4.625%
HK$15,568
+HK$893/mo
Deposit HK$3.03M · loan HK$3.03M · min. income ≈ HK$29,350/mo (50% DSR)
Upfront cash ≈ HK$3.17M (deposit + AVD stamp duty HK$140,612 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,363
−HK$830/mo
▼ 0.25% · 3.875%
HK$15,775
−HK$418/mo
Today · 4.125%
HK$16,193
baseline
▲ 0.50% · 4.625%
HK$17,047
+HK$854/mo
Deposit HK$3.03M · loan HK$3.03M · min. income ≈ HK$32,386/mo (50% DSR)
Upfront cash ≈ HK$3.17M (deposit + AVD stamp duty HK$140,612 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,571
−HK$1,040/mo
▼ 0.25% · 3.875%
HK$17,087
−HK$524/mo
Today · 4.125%
HK$17,611
baseline
▲ 0.50% · 4.625%
HK$18,682
+HK$1,071/mo
Deposit HK$2.42M · loan HK$3.63M · min. income ≈ HK$35,222/mo (50% DSR)
Upfront cash ≈ HK$2.56M (deposit + AVD stamp duty HK$140,612 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,436
−HK$996/mo
▼ 0.25% · 3.875%
HK$18,930
−HK$502/mo
Today · 4.125%
HK$19,432
baseline
▲ 0.50% · 4.625%
HK$20,456
+HK$1,024/mo
Deposit HK$2.42M · loan HK$3.63M · min. income ≈ HK$38,864/mo (50% DSR)
Upfront cash ≈ HK$2.56M (deposit + AVD stamp duty HK$140,612 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,333
−HK$1,213/mo
▼ 0.25% · 3.875%
HK$19,935
−HK$611/mo
Today · 4.125%
HK$20,546
baseline
▲ 0.50% · 4.625%
HK$21,796
+HK$1,250/mo
Deposit HK$1.82M · loan HK$4.24M · min. income ≈ HK$41,092/mo (50% DSR)
Upfront cash ≈ HK$1.96M (deposit + AVD stamp duty HK$140,612 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,508
−HK$1,162/mo
▼ 0.25% · 3.875%
HK$22,085
−HK$585/mo
Today · 4.125%
HK$22,670
baseline
▲ 0.50% · 4.625%
HK$23,865
+HK$1,195/mo
Deposit HK$1.82M · loan HK$4.24M · min. income ≈ HK$45,340/mo (50% DSR)
Upfront cash ≈ HK$1.96M (deposit + AVD stamp duty HK$140,612 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,857
−HK$1,559/mo
▼ 0.25% · 3.875%
HK$25,630
−HK$786/mo
Today · 4.125%
HK$26,416
baseline
▲ 0.50% · 4.625%
HK$28,023
+HK$1,607/mo
Deposit HK$606K · loan HK$5.45M · min. income ≈ HK$52,832/mo (50% DSR)
Upfront cash ≈ HK$746K (deposit + AVD stamp duty HK$140,612 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,653
−HK$1,494/mo
▼ 0.25% · 3.875%
HK$28,395
−HK$752/mo
Today · 4.125%
HK$29,147
baseline
▲ 0.50% · 4.625%
HK$30,684
+HK$1,537/mo
Deposit HK$606K · loan HK$5.45M · min. income ≈ HK$58,294/mo (50% DSR)
Upfront cash ≈ HK$746K (deposit + AVD stamp duty HK$140,612 · 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).