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$13,868
−HK$869/mo
▼ 0.25% · 3.875%
HK$14,299
−HK$438/mo
Today · 4.125%
HK$14,737
baseline
▲ 0.50% · 4.625%
HK$15,634
+HK$897/mo
Deposit HK$3.04M · loan HK$3.04M · min. income ≈ HK$29,474/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$143,161 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,428
−HK$833/mo
▼ 0.25% · 3.875%
HK$15,841
−HK$420/mo
Today · 4.125%
HK$16,261
baseline
▲ 0.50% · 4.625%
HK$17,118
+HK$857/mo
Deposit HK$3.04M · loan HK$3.04M · min. income ≈ HK$32,522/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$143,161 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,641
−HK$1,044/mo
▼ 0.25% · 3.875%
HK$17,159
−HK$526/mo
Today · 4.125%
HK$17,685
baseline
▲ 0.50% · 4.625%
HK$18,761
+HK$1,076/mo
Deposit HK$2.43M · loan HK$3.65M · min. income ≈ HK$35,370/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$143,161 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,513
−HK$1,000/mo
▼ 0.25% · 3.875%
HK$19,010
−HK$503/mo
Today · 4.125%
HK$19,513
baseline
▲ 0.50% · 4.625%
HK$20,542
+HK$1,029/mo
Deposit HK$2.43M · loan HK$3.65M · min. income ≈ HK$39,026/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$143,161 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,415
−HK$1,217/mo
▼ 0.25% · 3.875%
HK$20,019
−HK$613/mo
Today · 4.125%
HK$20,632
baseline
▲ 0.50% · 4.625%
HK$21,888
+HK$1,256/mo
Deposit HK$1.82M · loan HK$4.26M · min. income ≈ HK$41,264/mo (50% DSR)
Upfront cash ≈ HK$1.97M (deposit + AVD stamp duty HK$143,161 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,599
−HK$1,167/mo
▼ 0.25% · 3.875%
HK$22,178
−HK$588/mo
Today · 4.125%
HK$22,766
baseline
▲ 0.50% · 4.625%
HK$23,966
+HK$1,200/mo
Deposit HK$1.82M · loan HK$4.26M · min. income ≈ HK$45,532/mo (50% DSR)
Upfront cash ≈ HK$1.97M (deposit + AVD stamp duty HK$143,161 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,962
−HK$1,565/mo
▼ 0.25% · 3.875%
HK$25,738
−HK$789/mo
Today · 4.125%
HK$26,527
baseline
▲ 0.50% · 4.625%
HK$28,141
+HK$1,614/mo
Deposit HK$608K · loan HK$5.47M · min. income ≈ HK$53,054/mo (50% DSR)
Upfront cash ≈ HK$751K (deposit + AVD stamp duty HK$143,161 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,770
−HK$1,500/mo
▼ 0.25% · 3.875%
HK$28,514
−HK$756/mo
Today · 4.125%
HK$29,270
baseline
▲ 0.50% · 4.625%
HK$30,813
+HK$1,543/mo
Deposit HK$608K · loan HK$5.47M · min. income ≈ HK$58,540/mo (50% DSR)
Upfront cash ≈ HK$751K (deposit + AVD stamp duty HK$143,161 · 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).