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$13,835
−HK$867/mo
▼ 0.25% · 3.875%
HK$14,265
−HK$437/mo
Today · 4.125%
HK$14,702
baseline
▲ 0.50% · 4.625%
HK$15,597
+HK$895/mo
Deposit HK$3.03M · loan HK$3.03M · min. income ≈ HK$29,404/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$141,723 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,391
−HK$832/mo
▼ 0.25% · 3.875%
HK$15,804
−HK$419/mo
Today · 4.125%
HK$16,223
baseline
▲ 0.50% · 4.625%
HK$17,078
+HK$855/mo
Deposit HK$3.03M · loan HK$3.03M · min. income ≈ HK$32,446/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$141,723 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,602
−HK$1,041/mo
▼ 0.25% · 3.875%
HK$17,118
−HK$525/mo
Today · 4.125%
HK$17,643
baseline
▲ 0.50% · 4.625%
HK$18,716
+HK$1,073/mo
Deposit HK$2.43M · loan HK$3.64M · min. income ≈ HK$35,286/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$141,723 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,469
−HK$998/mo
▼ 0.25% · 3.875%
HK$18,965
−HK$502/mo
Today · 4.125%
HK$19,467
baseline
▲ 0.50% · 4.625%
HK$20,493
+HK$1,026/mo
Deposit HK$2.43M · loan HK$3.64M · min. income ≈ HK$38,934/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$141,723 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,369
−HK$1,214/mo
▼ 0.25% · 3.875%
HK$19,971
−HK$612/mo
Today · 4.125%
HK$20,583
baseline
▲ 0.50% · 4.625%
HK$21,836
+HK$1,253/mo
Deposit HK$1.82M · loan HK$4.25M · min. income ≈ HK$41,166/mo (50% DSR)
Upfront cash ≈ HK$1.96M (deposit + AVD stamp duty HK$141,723 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,548
−HK$1,164/mo
▼ 0.25% · 3.875%
HK$22,125
−HK$587/mo
Today · 4.125%
HK$22,712
baseline
▲ 0.50% · 4.625%
HK$23,909
+HK$1,197/mo
Deposit HK$1.82M · loan HK$4.25M · min. income ≈ HK$45,424/mo (50% DSR)
Upfront cash ≈ HK$1.96M (deposit + AVD stamp duty HK$141,723 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,903
−HK$1,561/mo
▼ 0.25% · 3.875%
HK$25,677
−HK$787/mo
Today · 4.125%
HK$26,464
baseline
▲ 0.50% · 4.625%
HK$28,075
+HK$1,611/mo
Deposit HK$607K · loan HK$5.46M · min. income ≈ HK$52,928/mo (50% DSR)
Upfront cash ≈ HK$748K (deposit + AVD stamp duty HK$141,723 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,704
−HK$1,497/mo
▼ 0.25% · 3.875%
HK$28,447
−HK$754/mo
Today · 4.125%
HK$29,201
baseline
▲ 0.50% · 4.625%
HK$30,740
+HK$1,539/mo
Deposit HK$607K · loan HK$5.46M · min. income ≈ HK$58,402/mo (50% DSR)
Upfront cash ≈ HK$748K (deposit + AVD stamp duty HK$141,723 · 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).