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$13,850
−HK$868/mo
▼ 0.25% · 3.875%
HK$14,281
−HK$437/mo
Today · 4.125%
HK$14,718
baseline
▲ 0.50% · 4.625%
HK$15,614
+HK$896/mo
Deposit HK$3.04M · loan HK$3.04M · min. income ≈ HK$29,436/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$142,379 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,408
−HK$832/mo
▼ 0.25% · 3.875%
HK$15,821
−HK$419/mo
Today · 4.125%
HK$16,240
baseline
▲ 0.50% · 4.625%
HK$17,096
+HK$856/mo
Deposit HK$3.04M · loan HK$3.04M · min. income ≈ HK$32,480/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$142,379 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,620
−HK$1,042/mo
▼ 0.25% · 3.875%
HK$17,137
−HK$525/mo
Today · 4.125%
HK$17,662
baseline
▲ 0.50% · 4.625%
HK$18,737
+HK$1,075/mo
Deposit HK$2.43M · loan HK$3.64M · min. income ≈ HK$35,324/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$142,379 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,489
−HK$999/mo
▼ 0.25% · 3.875%
HK$18,985
−HK$503/mo
Today · 4.125%
HK$19,488
baseline
▲ 0.50% · 4.625%
HK$20,515
+HK$1,027/mo
Deposit HK$2.43M · loan HK$3.64M · min. income ≈ HK$38,976/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$142,379 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,390
−HK$1,216/mo
▼ 0.25% · 3.875%
HK$19,993
−HK$613/mo
Today · 4.125%
HK$20,606
baseline
▲ 0.50% · 4.625%
HK$21,859
+HK$1,253/mo
Deposit HK$1.82M · loan HK$4.25M · min. income ≈ HK$41,212/mo (50% DSR)
Upfront cash ≈ HK$1.96M (deposit + AVD stamp duty HK$142,379 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,571
−HK$1,165/mo
▼ 0.25% · 3.875%
HK$22,149
−HK$587/mo
Today · 4.125%
HK$22,736
baseline
▲ 0.50% · 4.625%
HK$23,935
+HK$1,199/mo
Deposit HK$1.82M · loan HK$4.25M · min. income ≈ HK$45,472/mo (50% DSR)
Upfront cash ≈ HK$1.96M (deposit + AVD stamp duty HK$142,379 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,930
−HK$1,563/mo
▼ 0.25% · 3.875%
HK$25,705
−HK$788/mo
Today · 4.125%
HK$26,493
baseline
▲ 0.50% · 4.625%
HK$28,105
+HK$1,612/mo
Deposit HK$607K · loan HK$5.47M · min. income ≈ HK$52,986/mo (50% DSR)
Upfront cash ≈ HK$750K (deposit + AVD stamp duty HK$142,379 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,734
−HK$1,498/mo
▼ 0.25% · 3.875%
HK$28,478
−HK$754/mo
Today · 4.125%
HK$29,232
baseline
▲ 0.50% · 4.625%
HK$30,773
+HK$1,541/mo
Deposit HK$607K · loan HK$5.47M · min. income ≈ HK$58,464/mo (50% DSR)
Upfront cash ≈ HK$750K (deposit + AVD stamp duty HK$142,379 · 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).