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$13,844
−HK$868/mo
▼ 0.25% · 3.875%
HK$14,275
−HK$437/mo
Today · 4.125%
HK$14,712
baseline
▲ 0.50% · 4.625%
HK$15,607
+HK$895/mo
Deposit HK$3.04M · loan HK$3.04M · min. income ≈ HK$29,424/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$142,130 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,401
−HK$833/mo
▼ 0.25% · 3.875%
HK$15,814
−HK$420/mo
Today · 4.125%
HK$16,234
baseline
▲ 0.50% · 4.625%
HK$17,089
+HK$855/mo
Deposit HK$3.04M · loan HK$3.04M · min. income ≈ HK$32,468/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$142,130 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,613
−HK$1,042/mo
▼ 0.25% · 3.875%
HK$17,130
−HK$525/mo
Today · 4.125%
HK$17,655
baseline
▲ 0.50% · 4.625%
HK$18,729
+HK$1,074/mo
Deposit HK$2.43M · loan HK$3.64M · min. income ≈ HK$35,310/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$142,130 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,482
−HK$998/mo
▼ 0.25% · 3.875%
HK$18,977
−HK$503/mo
Today · 4.125%
HK$19,480
baseline
▲ 0.50% · 4.625%
HK$20,507
+HK$1,027/mo
Deposit HK$2.43M · loan HK$3.64M · min. income ≈ HK$38,960/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$142,130 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,382
−HK$1,215/mo
▼ 0.25% · 3.875%
HK$19,985
−HK$612/mo
Today · 4.125%
HK$20,597
baseline
▲ 0.50% · 4.625%
HK$21,850
+HK$1,253/mo
Deposit HK$1.82M · loan HK$4.25M · min. income ≈ HK$41,194/mo (50% DSR)
Upfront cash ≈ HK$1.96M (deposit + AVD stamp duty HK$142,130 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,562
−HK$1,165/mo
▼ 0.25% · 3.875%
HK$22,140
−HK$587/mo
Today · 4.125%
HK$22,727
baseline
▲ 0.50% · 4.625%
HK$23,925
+HK$1,198/mo
Deposit HK$1.82M · loan HK$4.25M · min. income ≈ HK$45,454/mo (50% DSR)
Upfront cash ≈ HK$1.96M (deposit + AVD stamp duty HK$142,130 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,919
−HK$1,563/mo
▼ 0.25% · 3.875%
HK$25,695
−HK$787/mo
Today · 4.125%
HK$26,482
baseline
▲ 0.50% · 4.625%
HK$28,093
+HK$1,611/mo
Deposit HK$607K · loan HK$5.46M · min. income ≈ HK$52,964/mo (50% DSR)
Upfront cash ≈ HK$749K (deposit + AVD stamp duty HK$142,130 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,723
−HK$1,497/mo
▼ 0.25% · 3.875%
HK$28,466
−HK$754/mo
Today · 4.125%
HK$29,220
baseline
▲ 0.50% · 4.625%
HK$30,761
+HK$1,541/mo
Deposit HK$607K · loan HK$5.46M · min. income ≈ HK$58,440/mo (50% DSR)
Upfront cash ≈ HK$749K (deposit + AVD stamp duty HK$142,130 · 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).