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$13,881
−HK$871/mo
▼ 0.25% · 3.875%
HK$14,313
−HK$439/mo
Today · 4.125%
HK$14,752
baseline
▲ 0.50% · 4.625%
HK$15,649
+HK$897/mo
Deposit HK$3.04M · loan HK$3.04M · min. income ≈ HK$29,504/mo (50% DSR)
Upfront cash ≈ HK$3.19M (deposit + AVD stamp duty HK$143,752 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,443
−HK$834/mo
▼ 0.25% · 3.875%
HK$15,857
−HK$420/mo
Today · 4.125%
HK$16,277
baseline
▲ 0.50% · 4.625%
HK$17,135
+HK$858/mo
Deposit HK$3.04M · loan HK$3.04M · min. income ≈ HK$32,554/mo (50% DSR)
Upfront cash ≈ HK$3.19M (deposit + AVD stamp duty HK$143,752 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,657
−HK$1,045/mo
▼ 0.25% · 3.875%
HK$17,175
−HK$527/mo
Today · 4.125%
HK$17,702
baseline
▲ 0.50% · 4.625%
HK$18,779
+HK$1,077/mo
Deposit HK$2.44M · loan HK$3.65M · min. income ≈ HK$35,404/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$143,752 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,531
−HK$1,001/mo
▼ 0.25% · 3.875%
HK$19,028
−HK$504/mo
Today · 4.125%
HK$19,532
baseline
▲ 0.50% · 4.625%
HK$20,562
+HK$1,030/mo
Deposit HK$2.44M · loan HK$3.65M · min. income ≈ HK$39,064/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$143,752 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,434
−HK$1,218/mo
▼ 0.25% · 3.875%
HK$20,038
−HK$614/mo
Today · 4.125%
HK$20,652
baseline
▲ 0.50% · 4.625%
HK$21,909
+HK$1,257/mo
Deposit HK$1.83M · loan HK$4.26M · min. income ≈ HK$41,304/mo (50% DSR)
Upfront cash ≈ HK$1.97M (deposit + AVD stamp duty HK$143,752 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,620
−HK$1,168/mo
▼ 0.25% · 3.875%
HK$22,199
−HK$589/mo
Today · 4.125%
HK$22,788
baseline
▲ 0.50% · 4.625%
HK$23,989
+HK$1,201/mo
Deposit HK$1.83M · loan HK$4.26M · min. income ≈ HK$45,576/mo (50% DSR)
Upfront cash ≈ HK$1.97M (deposit + AVD stamp duty HK$143,752 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,986
−HK$1,567/mo
▼ 0.25% · 3.875%
HK$25,763
−HK$790/mo
Today · 4.125%
HK$26,553
baseline
▲ 0.50% · 4.625%
HK$28,168
+HK$1,615/mo
Deposit HK$609K · loan HK$5.48M · min. income ≈ HK$53,106/mo (50% DSR)
Upfront cash ≈ HK$753K (deposit + AVD stamp duty HK$143,752 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,797
−HK$1,501/mo
▼ 0.25% · 3.875%
HK$28,542
−HK$756/mo
Today · 4.125%
HK$29,298
baseline
▲ 0.50% · 4.625%
HK$30,843
+HK$1,545/mo
Deposit HK$609K · loan HK$5.48M · min. income ≈ HK$58,596/mo (50% DSR)
Upfront cash ≈ HK$753K (deposit + AVD stamp duty HK$143,752 · 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).