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$13,832
−HK$867/mo
▼ 0.25% · 3.875%
HK$14,262
−HK$437/mo
Today · 4.125%
HK$14,699
baseline
▲ 0.50% · 4.625%
HK$15,594
+HK$895/mo
Deposit HK$3.03M · loan HK$3.03M · min. income ≈ HK$29,398/mo (50% DSR)
Upfront cash ≈ HK$3.17M (deposit + AVD stamp duty HK$141,592 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,388
−HK$831/mo
▼ 0.25% · 3.875%
HK$15,800
−HK$419/mo
Today · 4.125%
HK$16,219
baseline
▲ 0.50% · 4.625%
HK$17,074
+HK$855/mo
Deposit HK$3.03M · loan HK$3.03M · min. income ≈ HK$32,438/mo (50% DSR)
Upfront cash ≈ HK$3.17M (deposit + AVD stamp duty HK$141,592 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,598
−HK$1,041/mo
▼ 0.25% · 3.875%
HK$17,115
−HK$524/mo
Today · 4.125%
HK$17,639
baseline
▲ 0.50% · 4.625%
HK$18,712
+HK$1,073/mo
Deposit HK$2.43M · loan HK$3.64M · min. income ≈ HK$35,278/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$141,592 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,465
−HK$998/mo
▼ 0.25% · 3.875%
HK$18,961
−HK$502/mo
Today · 4.125%
HK$19,463
baseline
▲ 0.50% · 4.625%
HK$20,489
+HK$1,026/mo
Deposit HK$2.43M · loan HK$3.64M · min. income ≈ HK$38,926/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$141,592 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,365
−HK$1,214/mo
▼ 0.25% · 3.875%
HK$19,967
−HK$612/mo
Today · 4.125%
HK$20,579
baseline
▲ 0.50% · 4.625%
HK$21,831
+HK$1,252/mo
Deposit HK$1.82M · loan HK$4.25M · min. income ≈ HK$41,158/mo (50% DSR)
Upfront cash ≈ HK$1.96M (deposit + AVD stamp duty HK$141,592 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,543
−HK$1,164/mo
▼ 0.25% · 3.875%
HK$22,121
−HK$586/mo
Today · 4.125%
HK$22,707
baseline
▲ 0.50% · 4.625%
HK$23,904
+HK$1,197/mo
Deposit HK$1.82M · loan HK$4.25M · min. income ≈ HK$45,414/mo (50% DSR)
Upfront cash ≈ HK$1.96M (deposit + AVD stamp duty HK$141,592 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,897
−HK$1,562/mo
▼ 0.25% · 3.875%
HK$25,672
−HK$787/mo
Today · 4.125%
HK$26,459
baseline
▲ 0.50% · 4.625%
HK$28,069
+HK$1,610/mo
Deposit HK$607K · loan HK$5.46M · min. income ≈ HK$52,918/mo (50% DSR)
Upfront cash ≈ HK$748K (deposit + AVD stamp duty HK$141,592 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,698
−HK$1,496/mo
▼ 0.25% · 3.875%
HK$28,441
−HK$753/mo
Today · 4.125%
HK$29,194
baseline
▲ 0.50% · 4.625%
HK$30,733
+HK$1,539/mo
Deposit HK$607K · loan HK$5.46M · min. income ≈ HK$58,388/mo (50% DSR)
Upfront cash ≈ HK$748K (deposit + AVD stamp duty HK$141,592 · 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).