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$13,825
−HK$867/mo
▼ 0.25% · 3.875%
HK$14,256
−HK$436/mo
Today · 4.125%
HK$14,692
baseline
▲ 0.50% · 4.625%
HK$15,586
+HK$894/mo
Deposit HK$3.03M · loan HK$3.03M · min. income ≈ HK$29,384/mo (50% DSR)
Upfront cash ≈ HK$3.17M (deposit + AVD stamp duty HK$141,312 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,381
−HK$831/mo
▼ 0.25% · 3.875%
HK$15,793
−HK$419/mo
Today · 4.125%
HK$16,212
baseline
▲ 0.50% · 4.625%
HK$17,066
+HK$854/mo
Deposit HK$3.03M · loan HK$3.03M · min. income ≈ HK$32,424/mo (50% DSR)
Upfront cash ≈ HK$3.17M (deposit + AVD stamp duty HK$141,312 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,591
−HK$1,040/mo
▼ 0.25% · 3.875%
HK$17,107
−HK$524/mo
Today · 4.125%
HK$17,631
baseline
▲ 0.50% · 4.625%
HK$18,704
+HK$1,073/mo
Deposit HK$2.43M · loan HK$3.64M · min. income ≈ HK$35,262/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$141,312 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,457
−HK$997/mo
▼ 0.25% · 3.875%
HK$18,952
−HK$502/mo
Today · 4.125%
HK$19,454
baseline
▲ 0.50% · 4.625%
HK$20,479
+HK$1,025/mo
Deposit HK$2.43M · loan HK$3.64M · min. income ≈ HK$38,908/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$141,312 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,356
−HK$1,213/mo
▼ 0.25% · 3.875%
HK$19,958
−HK$611/mo
Today · 4.125%
HK$20,569
baseline
▲ 0.50% · 4.625%
HK$21,821
+HK$1,252/mo
Deposit HK$1.82M · loan HK$4.24M · min. income ≈ HK$41,138/mo (50% DSR)
Upfront cash ≈ HK$1.96M (deposit + AVD stamp duty HK$141,312 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,533
−HK$1,163/mo
▼ 0.25% · 3.875%
HK$22,110
−HK$586/mo
Today · 4.125%
HK$22,696
baseline
▲ 0.50% · 4.625%
HK$23,893
+HK$1,197/mo
Deposit HK$1.82M · loan HK$4.24M · min. income ≈ HK$45,392/mo (50% DSR)
Upfront cash ≈ HK$1.96M (deposit + AVD stamp duty HK$141,312 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,886
−HK$1,560/mo
▼ 0.25% · 3.875%
HK$25,660
−HK$786/mo
Today · 4.125%
HK$26,446
baseline
▲ 0.50% · 4.625%
HK$28,056
+HK$1,610/mo
Deposit HK$606K · loan HK$5.46M · min. income ≈ HK$52,892/mo (50% DSR)
Upfront cash ≈ HK$748K (deposit + AVD stamp duty HK$141,312 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,685
−HK$1,496/mo
▼ 0.25% · 3.875%
HK$28,428
−HK$753/mo
Today · 4.125%
HK$29,181
baseline
▲ 0.50% · 4.625%
HK$30,719
+HK$1,538/mo
Deposit HK$606K · loan HK$5.46M · min. income ≈ HK$58,362/mo (50% DSR)
Upfront cash ≈ HK$748K (deposit + AVD stamp duty HK$141,312 · 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).