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$13,883
−HK$870/mo
▼ 0.25% · 3.875%
HK$14,314
−HK$439/mo
Today · 4.125%
HK$14,753
baseline
▲ 0.50% · 4.625%
HK$15,651
+HK$898/mo
Deposit HK$3.04M · loan HK$3.04M · min. income ≈ HK$29,506/mo (50% DSR)
Upfront cash ≈ HK$3.19M (deposit + AVD stamp duty HK$143,817 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,444
−HK$835/mo
▼ 0.25% · 3.875%
HK$15,858
−HK$421/mo
Today · 4.125%
HK$16,279
baseline
▲ 0.50% · 4.625%
HK$17,137
+HK$858/mo
Deposit HK$3.04M · loan HK$3.04M · min. income ≈ HK$32,558/mo (50% DSR)
Upfront cash ≈ HK$3.19M (deposit + AVD stamp duty HK$143,817 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,659
−HK$1,045/mo
▼ 0.25% · 3.875%
HK$17,177
−HK$527/mo
Today · 4.125%
HK$17,704
baseline
▲ 0.50% · 4.625%
HK$18,781
+HK$1,077/mo
Deposit HK$2.44M · loan HK$3.65M · min. income ≈ HK$35,408/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$143,817 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,533
−HK$1,001/mo
▼ 0.25% · 3.875%
HK$19,030
−HK$504/mo
Today · 4.125%
HK$19,534
baseline
▲ 0.50% · 4.625%
HK$20,564
+HK$1,030/mo
Deposit HK$2.44M · loan HK$3.65M · min. income ≈ HK$39,068/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$143,817 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,436
−HK$1,218/mo
▼ 0.25% · 3.875%
HK$20,040
−HK$614/mo
Today · 4.125%
HK$20,654
baseline
▲ 0.50% · 4.625%
HK$21,911
+HK$1,257/mo
Deposit HK$1.83M · loan HK$4.26M · min. income ≈ HK$41,308/mo (50% DSR)
Upfront cash ≈ HK$1.97M (deposit + AVD stamp duty HK$143,817 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,622
−HK$1,168/mo
▼ 0.25% · 3.875%
HK$22,202
−HK$588/mo
Today · 4.125%
HK$22,790
baseline
▲ 0.50% · 4.625%
HK$23,991
+HK$1,201/mo
Deposit HK$1.83M · loan HK$4.26M · min. income ≈ HK$45,580/mo (50% DSR)
Upfront cash ≈ HK$1.97M (deposit + AVD stamp duty HK$143,817 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,989
−HK$1,567/mo
▼ 0.25% · 3.875%
HK$25,766
−HK$790/mo
Today · 4.125%
HK$26,556
baseline
▲ 0.50% · 4.625%
HK$28,172
+HK$1,616/mo
Deposit HK$609K · loan HK$5.48M · min. income ≈ HK$53,112/mo (50% DSR)
Upfront cash ≈ HK$753K (deposit + AVD stamp duty HK$143,817 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,800
−HK$1,502/mo
▼ 0.25% · 3.875%
HK$28,545
−HK$757/mo
Today · 4.125%
HK$29,302
baseline
▲ 0.50% · 4.625%
HK$30,846
+HK$1,544/mo
Deposit HK$609K · loan HK$5.48M · min. income ≈ HK$58,604/mo (50% DSR)
Upfront cash ≈ HK$753K (deposit + AVD stamp duty HK$143,817 · 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).