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$13,840
−HK$867/mo
▼ 0.25% · 3.875%
HK$14,270
−HK$437/mo
Today · 4.125%
HK$14,707
baseline
▲ 0.50% · 4.625%
HK$15,602
+HK$895/mo
Deposit HK$3.03M · loan HK$3.03M · min. income ≈ HK$29,414/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$141,929 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,396
−HK$832/mo
▼ 0.25% · 3.875%
HK$15,809
−HK$419/mo
Today · 4.125%
HK$16,228
baseline
▲ 0.50% · 4.625%
HK$17,084
+HK$856/mo
Deposit HK$3.03M · loan HK$3.03M · min. income ≈ HK$32,456/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$141,929 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,607
−HK$1,042/mo
▼ 0.25% · 3.875%
HK$17,124
−HK$525/mo
Today · 4.125%
HK$17,649
baseline
▲ 0.50% · 4.625%
HK$18,723
+HK$1,074/mo
Deposit HK$2.43M · loan HK$3.64M · min. income ≈ HK$35,298/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$141,929 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,476
−HK$998/mo
▼ 0.25% · 3.875%
HK$18,971
−HK$503/mo
Today · 4.125%
HK$19,474
baseline
▲ 0.50% · 4.625%
HK$20,500
+HK$1,026/mo
Deposit HK$2.43M · loan HK$3.64M · min. income ≈ HK$38,948/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$141,929 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,375
−HK$1,215/mo
▼ 0.25% · 3.875%
HK$19,978
−HK$612/mo
Today · 4.125%
HK$20,590
baseline
▲ 0.50% · 4.625%
HK$21,843
+HK$1,253/mo
Deposit HK$1.82M · loan HK$4.25M · min. income ≈ HK$41,180/mo (50% DSR)
Upfront cash ≈ HK$1.96M (deposit + AVD stamp duty HK$141,929 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,555
−HK$1,164/mo
▼ 0.25% · 3.875%
HK$22,133
−HK$586/mo
Today · 4.125%
HK$22,719
baseline
▲ 0.50% · 4.625%
HK$23,917
+HK$1,198/mo
Deposit HK$1.82M · loan HK$4.25M · min. income ≈ HK$45,438/mo (50% DSR)
Upfront cash ≈ HK$1.96M (deposit + AVD stamp duty HK$141,929 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,911
−HK$1,562/mo
▼ 0.25% · 3.875%
HK$25,686
−HK$787/mo
Today · 4.125%
HK$26,473
baseline
▲ 0.50% · 4.625%
HK$28,084
+HK$1,611/mo
Deposit HK$607K · loan HK$5.46M · min. income ≈ HK$52,946/mo (50% DSR)
Upfront cash ≈ HK$749K (deposit + AVD stamp duty HK$141,929 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,713
−HK$1,498/mo
▼ 0.25% · 3.875%
HK$28,457
−HK$754/mo
Today · 4.125%
HK$29,211
baseline
▲ 0.50% · 4.625%
HK$30,750
+HK$1,539/mo
Deposit HK$607K · loan HK$5.46M · min. income ≈ HK$58,422/mo (50% DSR)
Upfront cash ≈ HK$749K (deposit + AVD stamp duty HK$141,929 · 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).