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$13,855
−HK$868/mo
▼ 0.25% · 3.875%
HK$14,286
−HK$437/mo
Today · 4.125%
HK$14,723
baseline
▲ 0.50% · 4.625%
HK$15,619
+HK$896/mo
Deposit HK$3.04M · loan HK$3.04M · min. income ≈ HK$29,446/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$142,588 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,413
−HK$833/mo
▼ 0.25% · 3.875%
HK$15,826
−HK$420/mo
Today · 4.125%
HK$16,246
baseline
▲ 0.50% · 4.625%
HK$17,102
+HK$856/mo
Deposit HK$3.04M · loan HK$3.04M · min. income ≈ HK$32,492/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$142,588 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,625
−HK$1,043/mo
▼ 0.25% · 3.875%
HK$17,143
−HK$525/mo
Today · 4.125%
HK$17,668
baseline
▲ 0.50% · 4.625%
HK$18,743
+HK$1,075/mo
Deposit HK$2.43M · loan HK$3.65M · min. income ≈ HK$35,336/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$142,588 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,496
−HK$999/mo
▼ 0.25% · 3.875%
HK$18,992
−HK$503/mo
Today · 4.125%
HK$19,495
baseline
▲ 0.50% · 4.625%
HK$20,523
+HK$1,028/mo
Deposit HK$2.43M · loan HK$3.65M · min. income ≈ HK$38,990/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$142,588 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,396
−HK$1,217/mo
▼ 0.25% · 3.875%
HK$20,000
−HK$613/mo
Today · 4.125%
HK$20,613
baseline
▲ 0.50% · 4.625%
HK$21,867
+HK$1,254/mo
Deposit HK$1.82M · loan HK$4.25M · min. income ≈ HK$41,226/mo (50% DSR)
Upfront cash ≈ HK$1.97M (deposit + AVD stamp duty HK$142,588 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,578
−HK$1,166/mo
▼ 0.25% · 3.875%
HK$22,157
−HK$587/mo
Today · 4.125%
HK$22,744
baseline
▲ 0.50% · 4.625%
HK$23,943
+HK$1,199/mo
Deposit HK$1.82M · loan HK$4.25M · min. income ≈ HK$45,488/mo (50% DSR)
Upfront cash ≈ HK$1.97M (deposit + AVD stamp duty HK$142,588 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,938
−HK$1,564/mo
▼ 0.25% · 3.875%
HK$25,714
−HK$788/mo
Today · 4.125%
HK$26,502
baseline
▲ 0.50% · 4.625%
HK$28,115
+HK$1,613/mo
Deposit HK$608K · loan HK$5.47M · min. income ≈ HK$53,004/mo (50% DSR)
Upfront cash ≈ HK$750K (deposit + AVD stamp duty HK$142,588 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,744
−HK$1,498/mo
▼ 0.25% · 3.875%
HK$28,488
−HK$754/mo
Today · 4.125%
HK$29,242
baseline
▲ 0.50% · 4.625%
HK$30,784
+HK$1,542/mo
Deposit HK$608K · loan HK$5.47M · min. income ≈ HK$58,484/mo (50% DSR)
Upfront cash ≈ HK$750K (deposit + AVD stamp duty HK$142,588 · 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).