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$13,841
−HK$868/mo
▼ 0.25% · 3.875%
HK$14,271
−HK$438/mo
Today · 4.125%
HK$14,709
baseline
▲ 0.50% · 4.625%
HK$15,604
+HK$895/mo
Deposit HK$3.03M · loan HK$3.03M · min. income ≈ HK$29,418/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$141,988 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,398
−HK$832/mo
▼ 0.25% · 3.875%
HK$15,811
−HK$419/mo
Today · 4.125%
HK$16,230
baseline
▲ 0.50% · 4.625%
HK$17,085
+HK$855/mo
Deposit HK$3.03M · loan HK$3.03M · min. income ≈ HK$32,460/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$141,988 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,609
−HK$1,042/mo
▼ 0.25% · 3.875%
HK$17,126
−HK$525/mo
Today · 4.125%
HK$17,651
baseline
▲ 0.50% · 4.625%
HK$18,725
+HK$1,074/mo
Deposit HK$2.43M · loan HK$3.64M · min. income ≈ HK$35,302/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$141,988 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,477
−HK$999/mo
▼ 0.25% · 3.875%
HK$18,973
−HK$503/mo
Today · 4.125%
HK$19,476
baseline
▲ 0.50% · 4.625%
HK$20,502
+HK$1,026/mo
Deposit HK$2.43M · loan HK$3.64M · min. income ≈ HK$38,952/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$141,988 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,377
−HK$1,215/mo
▼ 0.25% · 3.875%
HK$19,980
−HK$612/mo
Today · 4.125%
HK$20,592
baseline
▲ 0.50% · 4.625%
HK$21,845
+HK$1,253/mo
Deposit HK$1.82M · loan HK$4.25M · min. income ≈ HK$41,184/mo (50% DSR)
Upfront cash ≈ HK$1.96M (deposit + AVD stamp duty HK$141,988 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,557
−HK$1,165/mo
▼ 0.25% · 3.875%
HK$22,135
−HK$587/mo
Today · 4.125%
HK$22,722
baseline
▲ 0.50% · 4.625%
HK$23,919
+HK$1,197/mo
Deposit HK$1.82M · loan HK$4.25M · min. income ≈ HK$45,444/mo (50% DSR)
Upfront cash ≈ HK$1.96M (deposit + AVD stamp duty HK$141,988 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,914
−HK$1,562/mo
▼ 0.25% · 3.875%
HK$25,689
−HK$787/mo
Today · 4.125%
HK$26,476
baseline
▲ 0.50% · 4.625%
HK$28,087
+HK$1,611/mo
Deposit HK$607K · loan HK$5.46M · min. income ≈ HK$52,952/mo (50% DSR)
Upfront cash ≈ HK$749K (deposit + AVD stamp duty HK$141,988 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,716
−HK$1,498/mo
▼ 0.25% · 3.875%
HK$28,459
−HK$755/mo
Today · 4.125%
HK$29,214
baseline
▲ 0.50% · 4.625%
HK$30,753
+HK$1,539/mo
Deposit HK$607K · loan HK$5.46M · min. income ≈ HK$58,428/mo (50% DSR)
Upfront cash ≈ HK$749K (deposit + AVD stamp duty HK$141,988 · 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).