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$13,890
−HK$871/mo
▼ 0.25% · 3.875%
HK$14,322
−HK$439/mo
Today · 4.125%
HK$14,761
baseline
▲ 0.50% · 4.625%
HK$15,659
+HK$898/mo
Deposit HK$3.05M · loan HK$3.05M · min. income ≈ HK$29,522/mo (50% DSR)
Upfront cash ≈ HK$3.19M (deposit + AVD stamp duty HK$144,127 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,452
−HK$835/mo
▼ 0.25% · 3.875%
HK$15,867
−HK$420/mo
Today · 4.125%
HK$16,287
baseline
▲ 0.50% · 4.625%
HK$17,145
+HK$858/mo
Deposit HK$3.05M · loan HK$3.05M · min. income ≈ HK$32,574/mo (50% DSR)
Upfront cash ≈ HK$3.19M (deposit + AVD stamp duty HK$144,127 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,668
−HK$1,045/mo
▼ 0.25% · 3.875%
HK$17,186
−HK$527/mo
Today · 4.125%
HK$17,713
baseline
▲ 0.50% · 4.625%
HK$18,791
+HK$1,078/mo
Deposit HK$2.44M · loan HK$3.65M · min. income ≈ HK$35,426/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$144,127 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,543
−HK$1,001/mo
▼ 0.25% · 3.875%
HK$19,040
−HK$504/mo
Today · 4.125%
HK$19,544
baseline
▲ 0.50% · 4.625%
HK$20,575
+HK$1,031/mo
Deposit HK$2.44M · loan HK$3.65M · min. income ≈ HK$39,088/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$144,127 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,446
−HK$1,219/mo
▼ 0.25% · 3.875%
HK$20,050
−HK$615/mo
Today · 4.125%
HK$20,665
baseline
▲ 0.50% · 4.625%
HK$21,922
+HK$1,257/mo
Deposit HK$1.83M · loan HK$4.26M · min. income ≈ HK$41,330/mo (50% DSR)
Upfront cash ≈ HK$1.97M (deposit + AVD stamp duty HK$144,127 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,633
−HK$1,169/mo
▼ 0.25% · 3.875%
HK$22,213
−HK$589/mo
Today · 4.125%
HK$22,802
baseline
▲ 0.50% · 4.625%
HK$24,004
+HK$1,202/mo
Deposit HK$1.83M · loan HK$4.26M · min. income ≈ HK$45,604/mo (50% DSR)
Upfront cash ≈ HK$1.97M (deposit + AVD stamp duty HK$144,127 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,001
−HK$1,568/mo
▼ 0.25% · 3.875%
HK$25,779
−HK$790/mo
Today · 4.125%
HK$26,569
baseline
▲ 0.50% · 4.625%
HK$28,186
+HK$1,617/mo
Deposit HK$609K · loan HK$5.48M · min. income ≈ HK$53,138/mo (50% DSR)
Upfront cash ≈ HK$753K (deposit + AVD stamp duty HK$144,127 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,814
−HK$1,502/mo
▼ 0.25% · 3.875%
HK$28,560
−HK$756/mo
Today · 4.125%
HK$29,316
baseline
▲ 0.50% · 4.625%
HK$30,862
+HK$1,546/mo
Deposit HK$609K · loan HK$5.48M · min. income ≈ HK$58,632/mo (50% DSR)
Upfront cash ≈ HK$753K (deposit + AVD stamp duty HK$144,127 · 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).