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$13,823
−HK$866/mo
▼ 0.25% · 3.875%
HK$14,253
−HK$436/mo
Today · 4.125%
HK$14,689
baseline
▲ 0.50% · 4.625%
HK$15,583
+HK$894/mo
Deposit HK$3.03M · loan HK$3.03M · min. income ≈ HK$29,378/mo (50% DSR)
Upfront cash ≈ HK$3.17M (deposit + AVD stamp duty HK$141,187 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,378
−HK$830/mo
▼ 0.25% · 3.875%
HK$15,790
−HK$418/mo
Today · 4.125%
HK$16,208
baseline
▲ 0.50% · 4.625%
HK$17,063
+HK$855/mo
Deposit HK$3.03M · loan HK$3.03M · min. income ≈ HK$32,416/mo (50% DSR)
Upfront cash ≈ HK$3.17M (deposit + AVD stamp duty HK$141,187 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,587
−HK$1,040/mo
▼ 0.25% · 3.875%
HK$17,103
−HK$524/mo
Today · 4.125%
HK$17,627
baseline
▲ 0.50% · 4.625%
HK$18,700
+HK$1,073/mo
Deposit HK$2.42M · loan HK$3.64M · min. income ≈ HK$35,254/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$141,187 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,453
−HK$997/mo
▼ 0.25% · 3.875%
HK$18,948
−HK$502/mo
Today · 4.125%
HK$19,450
baseline
▲ 0.50% · 4.625%
HK$20,475
+HK$1,025/mo
Deposit HK$2.42M · loan HK$3.64M · min. income ≈ HK$38,900/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$141,187 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,352
−HK$1,213/mo
▼ 0.25% · 3.875%
HK$19,954
−HK$611/mo
Today · 4.125%
HK$20,565
baseline
▲ 0.50% · 4.625%
HK$21,817
+HK$1,252/mo
Deposit HK$1.82M · loan HK$4.24M · min. income ≈ HK$41,130/mo (50% DSR)
Upfront cash ≈ HK$1.96M (deposit + AVD stamp duty HK$141,187 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,529
−HK$1,163/mo
▼ 0.25% · 3.875%
HK$22,106
−HK$586/mo
Today · 4.125%
HK$22,692
baseline
▲ 0.50% · 4.625%
HK$23,888
+HK$1,196/mo
Deposit HK$1.82M · loan HK$4.24M · min. income ≈ HK$45,384/mo (50% DSR)
Upfront cash ≈ HK$1.96M (deposit + AVD stamp duty HK$141,187 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,881
−HK$1,560/mo
▼ 0.25% · 3.875%
HK$25,655
−HK$786/mo
Today · 4.125%
HK$26,441
baseline
▲ 0.50% · 4.625%
HK$28,050
+HK$1,609/mo
Deposit HK$606K · loan HK$5.46M · min. income ≈ HK$52,882/mo (50% DSR)
Upfront cash ≈ HK$747K (deposit + AVD stamp duty HK$141,187 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,680
−HK$1,495/mo
▼ 0.25% · 3.875%
HK$28,422
−HK$753/mo
Today · 4.125%
HK$29,175
baseline
▲ 0.50% · 4.625%
HK$30,713
+HK$1,538/mo
Deposit HK$606K · loan HK$5.46M · min. income ≈ HK$58,350/mo (50% DSR)
Upfront cash ≈ HK$747K (deposit + AVD stamp duty HK$141,187 · 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).