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$13,832
−HK$868/mo
▼ 0.25% · 3.875%
HK$14,263
−HK$437/mo
Today · 4.125%
HK$14,700
baseline
▲ 0.50% · 4.625%
HK$15,594
+HK$894/mo
Deposit HK$3.03M · loan HK$3.03M · min. income ≈ HK$29,400/mo (50% DSR)
Upfront cash ≈ HK$3.17M (deposit + AVD stamp duty HK$141,619 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,388
−HK$832/mo
▼ 0.25% · 3.875%
HK$15,801
−HK$419/mo
Today · 4.125%
HK$16,220
baseline
▲ 0.50% · 4.625%
HK$17,075
+HK$855/mo
Deposit HK$3.03M · loan HK$3.03M · min. income ≈ HK$32,440/mo (50% DSR)
Upfront cash ≈ HK$3.17M (deposit + AVD stamp duty HK$141,619 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,599
−HK$1,041/mo
▼ 0.25% · 3.875%
HK$17,115
−HK$525/mo
Today · 4.125%
HK$17,640
baseline
▲ 0.50% · 4.625%
HK$18,713
+HK$1,073/mo
Deposit HK$2.43M · loan HK$3.64M · min. income ≈ HK$35,280/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$141,619 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,466
−HK$998/mo
▼ 0.25% · 3.875%
HK$18,961
−HK$503/mo
Today · 4.125%
HK$19,464
baseline
▲ 0.50% · 4.625%
HK$20,490
+HK$1,026/mo
Deposit HK$2.43M · loan HK$3.64M · min. income ≈ HK$38,928/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$141,619 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,365
−HK$1,215/mo
▼ 0.25% · 3.875%
HK$19,968
−HK$612/mo
Today · 4.125%
HK$20,580
baseline
▲ 0.50% · 4.625%
HK$21,832
+HK$1,252/mo
Deposit HK$1.82M · loan HK$4.25M · min. income ≈ HK$41,160/mo (50% DSR)
Upfront cash ≈ HK$1.96M (deposit + AVD stamp duty HK$141,619 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,544
−HK$1,164/mo
▼ 0.25% · 3.875%
HK$22,122
−HK$586/mo
Today · 4.125%
HK$22,708
baseline
▲ 0.50% · 4.625%
HK$23,905
+HK$1,197/mo
Deposit HK$1.82M · loan HK$4.25M · min. income ≈ HK$45,416/mo (50% DSR)
Upfront cash ≈ HK$1.96M (deposit + AVD stamp duty HK$141,619 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,898
−HK$1,562/mo
▼ 0.25% · 3.875%
HK$25,673
−HK$787/mo
Today · 4.125%
HK$26,460
baseline
▲ 0.50% · 4.625%
HK$28,070
+HK$1,610/mo
Deposit HK$607K · loan HK$5.46M · min. income ≈ HK$52,920/mo (50% DSR)
Upfront cash ≈ HK$748K (deposit + AVD stamp duty HK$141,619 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,699
−HK$1,497/mo
▼ 0.25% · 3.875%
HK$28,442
−HK$754/mo
Today · 4.125%
HK$29,196
baseline
▲ 0.50% · 4.625%
HK$30,735
+HK$1,539/mo
Deposit HK$607K · loan HK$5.46M · min. income ≈ HK$58,392/mo (50% DSR)
Upfront cash ≈ HK$748K (deposit + AVD stamp duty HK$141,619 · 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).