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$13,826
−HK$867/mo
▼ 0.25% · 3.875%
HK$14,256
−HK$437/mo
Today · 4.125%
HK$14,693
baseline
▲ 0.50% · 4.625%
HK$15,587
+HK$894/mo
Deposit HK$3.03M · loan HK$3.03M · min. income ≈ HK$29,386/mo (50% DSR)
Upfront cash ≈ HK$3.17M (deposit + AVD stamp duty HK$141,338 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,381
−HK$831/mo
▼ 0.25% · 3.875%
HK$15,794
−HK$418/mo
Today · 4.125%
HK$16,212
baseline
▲ 0.50% · 4.625%
HK$17,067
+HK$855/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$141,338 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,591
−HK$1,041/mo
▼ 0.25% · 3.875%
HK$17,107
−HK$525/mo
Today · 4.125%
HK$17,632
baseline
▲ 0.50% · 4.625%
HK$18,705
+HK$1,073/mo
Deposit HK$2.43M · loan HK$3.64M · min. income ≈ HK$35,264/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$141,338 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,458
−HK$997/mo
▼ 0.25% · 3.875%
HK$18,953
−HK$502/mo
Today · 4.125%
HK$19,455
baseline
▲ 0.50% · 4.625%
HK$20,480
+HK$1,025/mo
Deposit HK$2.43M · loan HK$3.64M · min. income ≈ HK$38,910/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$141,338 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,356
−HK$1,214/mo
▼ 0.25% · 3.875%
HK$19,959
−HK$611/mo
Today · 4.125%
HK$20,570
baseline
▲ 0.50% · 4.625%
HK$21,822
+HK$1,252/mo
Deposit HK$1.82M · loan HK$4.24M · min. income ≈ HK$41,140/mo (50% DSR)
Upfront cash ≈ HK$1.96M (deposit + AVD stamp duty HK$141,338 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,534
−HK$1,163/mo
▼ 0.25% · 3.875%
HK$22,111
−HK$586/mo
Today · 4.125%
HK$22,697
baseline
▲ 0.50% · 4.625%
HK$23,894
+HK$1,197/mo
Deposit HK$1.82M · loan HK$4.24M · min. income ≈ HK$45,394/mo (50% DSR)
Upfront cash ≈ HK$1.96M (deposit + AVD stamp duty HK$141,338 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,887
−HK$1,561/mo
▼ 0.25% · 3.875%
HK$25,661
−HK$787/mo
Today · 4.125%
HK$26,448
baseline
▲ 0.50% · 4.625%
HK$28,057
+HK$1,609/mo
Deposit HK$606K · loan HK$5.46M · min. income ≈ HK$52,896/mo (50% DSR)
Upfront cash ≈ HK$748K (deposit + AVD stamp duty HK$141,338 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,686
−HK$1,496/mo
▼ 0.25% · 3.875%
HK$28,429
−HK$753/mo
Today · 4.125%
HK$29,182
baseline
▲ 0.50% · 4.625%
HK$30,720
+HK$1,538/mo
Deposit HK$606K · loan HK$5.46M · min. income ≈ HK$58,364/mo (50% DSR)
Upfront cash ≈ HK$748K (deposit + AVD stamp duty HK$141,338 · 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).