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$13,829
−HK$867/mo
▼ 0.25% · 3.875%
HK$14,259
−HK$437/mo
Today · 4.125%
HK$14,696
baseline
▲ 0.50% · 4.625%
HK$15,590
+HK$894/mo
Deposit HK$3.03M · loan HK$3.03M · min. income ≈ HK$29,392/mo (50% DSR)
Upfront cash ≈ HK$3.17M (deposit + AVD stamp duty HK$141,461 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,384
−HK$832/mo
▼ 0.25% · 3.875%
HK$15,797
−HK$419/mo
Today · 4.125%
HK$16,216
baseline
▲ 0.50% · 4.625%
HK$17,070
+HK$854/mo
Deposit HK$3.03M · loan HK$3.03M · min. income ≈ HK$32,432/mo (50% DSR)
Upfront cash ≈ HK$3.17M (deposit + AVD stamp duty HK$141,461 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,595
−HK$1,040/mo
▼ 0.25% · 3.875%
HK$17,111
−HK$524/mo
Today · 4.125%
HK$17,635
baseline
▲ 0.50% · 4.625%
HK$18,708
+HK$1,073/mo
Deposit HK$2.43M · loan HK$3.64M · min. income ≈ HK$35,270/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$141,461 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,461
−HK$998/mo
▼ 0.25% · 3.875%
HK$18,956
−HK$503/mo
Today · 4.125%
HK$19,459
baseline
▲ 0.50% · 4.625%
HK$20,484
+HK$1,025/mo
Deposit HK$2.43M · loan HK$3.64M · min. income ≈ HK$38,918/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$141,461 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,360
−HK$1,214/mo
▼ 0.25% · 3.875%
HK$19,963
−HK$611/mo
Today · 4.125%
HK$20,574
baseline
▲ 0.50% · 4.625%
HK$21,826
+HK$1,252/mo
Deposit HK$1.82M · loan HK$4.25M · min. income ≈ HK$41,148/mo (50% DSR)
Upfront cash ≈ HK$1.96M (deposit + AVD stamp duty HK$141,461 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,538
−HK$1,164/mo
▼ 0.25% · 3.875%
HK$22,116
−HK$586/mo
Today · 4.125%
HK$22,702
baseline
▲ 0.50% · 4.625%
HK$23,899
+HK$1,197/mo
Deposit HK$1.82M · loan HK$4.25M · min. income ≈ HK$45,404/mo (50% DSR)
Upfront cash ≈ HK$1.96M (deposit + AVD stamp duty HK$141,461 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,892
−HK$1,561/mo
▼ 0.25% · 3.875%
HK$25,666
−HK$787/mo
Today · 4.125%
HK$26,453
baseline
▲ 0.50% · 4.625%
HK$28,062
+HK$1,609/mo
Deposit HK$606K · loan HK$5.46M · min. income ≈ HK$52,906/mo (50% DSR)
Upfront cash ≈ HK$748K (deposit + AVD stamp duty HK$141,461 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,692
−HK$1,496/mo
▼ 0.25% · 3.875%
HK$28,435
−HK$753/mo
Today · 4.125%
HK$29,188
baseline
▲ 0.50% · 4.625%
HK$30,727
+HK$1,539/mo
Deposit HK$606K · loan HK$5.46M · min. income ≈ HK$58,376/mo (50% DSR)
Upfront cash ≈ HK$748K (deposit + AVD stamp duty HK$141,461 · 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).