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$13,889
−HK$871/mo
▼ 0.25% · 3.875%
HK$14,321
−HK$439/mo
Today · 4.125%
HK$14,760
baseline
▲ 0.50% · 4.625%
HK$15,658
+HK$898/mo
Deposit HK$3.05M · loan HK$3.05M · min. income ≈ HK$29,520/mo (50% DSR)
Upfront cash ≈ HK$3.19M (deposit + AVD stamp duty HK$144,111 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,452
−HK$834/mo
▼ 0.25% · 3.875%
HK$15,866
−HK$420/mo
Today · 4.125%
HK$16,286
baseline
▲ 0.50% · 4.625%
HK$17,145
+HK$859/mo
Deposit HK$3.05M · loan HK$3.05M · min. income ≈ HK$32,572/mo (50% DSR)
Upfront cash ≈ HK$3.19M (deposit + AVD stamp duty HK$144,111 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,667
−HK$1,045/mo
▼ 0.25% · 3.875%
HK$17,186
−HK$526/mo
Today · 4.125%
HK$17,712
baseline
▲ 0.50% · 4.625%
HK$18,790
+HK$1,078/mo
Deposit HK$2.44M · loan HK$3.65M · min. income ≈ HK$35,424/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$144,111 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,542
−HK$1,002/mo
▼ 0.25% · 3.875%
HK$19,039
−HK$505/mo
Today · 4.125%
HK$19,544
baseline
▲ 0.50% · 4.625%
HK$20,574
+HK$1,030/mo
Deposit HK$2.44M · loan HK$3.65M · min. income ≈ HK$39,088/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$144,111 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,445
−HK$1,219/mo
▼ 0.25% · 3.875%
HK$20,050
−HK$614/mo
Today · 4.125%
HK$20,664
baseline
▲ 0.50% · 4.625%
HK$21,922
+HK$1,258/mo
Deposit HK$1.83M · loan HK$4.26M · min. income ≈ HK$41,328/mo (50% DSR)
Upfront cash ≈ HK$1.97M (deposit + AVD stamp duty HK$144,111 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,632
−HK$1,169/mo
▼ 0.25% · 3.875%
HK$22,213
−HK$588/mo
Today · 4.125%
HK$22,801
baseline
▲ 0.50% · 4.625%
HK$24,003
+HK$1,202/mo
Deposit HK$1.83M · loan HK$4.26M · min. income ≈ HK$45,602/mo (50% DSR)
Upfront cash ≈ HK$1.97M (deposit + AVD stamp duty HK$144,111 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,001
−HK$1,567/mo
▼ 0.25% · 3.875%
HK$25,778
−HK$790/mo
Today · 4.125%
HK$26,568
baseline
▲ 0.50% · 4.625%
HK$28,185
+HK$1,617/mo
Deposit HK$609K · loan HK$5.48M · min. income ≈ HK$53,136/mo (50% DSR)
Upfront cash ≈ HK$753K (deposit + AVD stamp duty HK$144,111 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,813
−HK$1,503/mo
▼ 0.25% · 3.875%
HK$28,559
−HK$757/mo
Today · 4.125%
HK$29,316
baseline
▲ 0.50% · 4.625%
HK$30,861
+HK$1,545/mo
Deposit HK$609K · loan HK$5.48M · min. income ≈ HK$58,632/mo (50% DSR)
Upfront cash ≈ HK$753K (deposit + AVD stamp duty HK$144,111 · 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).