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$13,843
−HK$868/mo
▼ 0.25% · 3.875%
HK$14,273
−HK$438/mo
Today · 4.125%
HK$14,711
baseline
▲ 0.50% · 4.625%
HK$15,606
+HK$895/mo
Deposit HK$3.04M · loan HK$3.04M · min. income ≈ HK$29,422/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$142,071 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,400
−HK$832/mo
▼ 0.25% · 3.875%
HK$15,813
−HK$419/mo
Today · 4.125%
HK$16,232
baseline
▲ 0.50% · 4.625%
HK$17,088
+HK$856/mo
Deposit HK$3.04M · loan HK$3.04M · min. income ≈ HK$32,464/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$142,071 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,611
−HK$1,042/mo
▼ 0.25% · 3.875%
HK$17,128
−HK$525/mo
Today · 4.125%
HK$17,653
baseline
▲ 0.50% · 4.625%
HK$18,727
+HK$1,074/mo
Deposit HK$2.43M · loan HK$3.64M · min. income ≈ HK$35,306/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$142,071 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,480
−HK$998/mo
▼ 0.25% · 3.875%
HK$18,976
−HK$502/mo
Today · 4.125%
HK$19,478
baseline
▲ 0.50% · 4.625%
HK$20,505
+HK$1,027/mo
Deposit HK$2.43M · loan HK$3.64M · min. income ≈ HK$38,956/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$142,071 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,380
−HK$1,215/mo
▼ 0.25% · 3.875%
HK$19,983
−HK$612/mo
Today · 4.125%
HK$20,595
baseline
▲ 0.50% · 4.625%
HK$21,848
+HK$1,253/mo
Deposit HK$1.82M · loan HK$4.25M · min. income ≈ HK$41,190/mo (50% DSR)
Upfront cash ≈ HK$1.96M (deposit + AVD stamp duty HK$142,071 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,560
−HK$1,165/mo
▼ 0.25% · 3.875%
HK$22,138
−HK$587/mo
Today · 4.125%
HK$22,725
baseline
▲ 0.50% · 4.625%
HK$23,923
+HK$1,198/mo
Deposit HK$1.82M · loan HK$4.25M · min. income ≈ HK$45,450/mo (50% DSR)
Upfront cash ≈ HK$1.96M (deposit + AVD stamp duty HK$142,071 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,917
−HK$1,562/mo
▼ 0.25% · 3.875%
HK$25,692
−HK$787/mo
Today · 4.125%
HK$26,479
baseline
▲ 0.50% · 4.625%
HK$28,091
+HK$1,612/mo
Deposit HK$607K · loan HK$5.46M · min. income ≈ HK$52,958/mo (50% DSR)
Upfront cash ≈ HK$749K (deposit + AVD stamp duty HK$142,071 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,720
−HK$1,497/mo
▼ 0.25% · 3.875%
HK$28,463
−HK$754/mo
Today · 4.125%
HK$29,217
baseline
▲ 0.50% · 4.625%
HK$30,758
+HK$1,541/mo
Deposit HK$607K · loan HK$5.46M · min. income ≈ HK$58,434/mo (50% DSR)
Upfront cash ≈ HK$749K (deposit + AVD stamp duty HK$142,071 · 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).