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$13,876
−HK$870/mo
▼ 0.25% · 3.875%
HK$14,308
−HK$438/mo
Today · 4.125%
HK$14,746
baseline
▲ 0.50% · 4.625%
HK$15,644
+HK$898/mo
Deposit HK$3.04M · loan HK$3.04M · min. income ≈ HK$29,492/mo (50% DSR)
Upfront cash ≈ HK$3.19M (deposit + AVD stamp duty HK$143,535 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,437
−HK$834/mo
▼ 0.25% · 3.875%
HK$15,851
−HK$420/mo
Today · 4.125%
HK$16,271
baseline
▲ 0.50% · 4.625%
HK$17,129
+HK$858/mo
Deposit HK$3.04M · loan HK$3.04M · min. income ≈ HK$32,542/mo (50% DSR)
Upfront cash ≈ HK$3.19M (deposit + AVD stamp duty HK$143,535 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,651
−HK$1,045/mo
▼ 0.25% · 3.875%
HK$17,169
−HK$527/mo
Today · 4.125%
HK$17,696
baseline
▲ 0.50% · 4.625%
HK$18,772
+HK$1,076/mo
Deposit HK$2.43M · loan HK$3.65M · min. income ≈ HK$35,392/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$143,535 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,524
−HK$1,001/mo
▼ 0.25% · 3.875%
HK$19,021
−HK$504/mo
Today · 4.125%
HK$19,525
baseline
▲ 0.50% · 4.625%
HK$20,555
+HK$1,030/mo
Deposit HK$2.43M · loan HK$3.65M · min. income ≈ HK$39,050/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$143,535 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,427
−HK$1,218/mo
▼ 0.25% · 3.875%
HK$20,031
−HK$614/mo
Today · 4.125%
HK$20,645
baseline
▲ 0.50% · 4.625%
HK$21,901
+HK$1,256/mo
Deposit HK$1.83M · loan HK$4.26M · min. income ≈ HK$41,290/mo (50% DSR)
Upfront cash ≈ HK$1.97M (deposit + AVD stamp duty HK$143,535 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,612
−HK$1,168/mo
▼ 0.25% · 3.875%
HK$22,192
−HK$588/mo
Today · 4.125%
HK$22,780
baseline
▲ 0.50% · 4.625%
HK$23,980
+HK$1,200/mo
Deposit HK$1.83M · loan HK$4.26M · min. income ≈ HK$45,560/mo (50% DSR)
Upfront cash ≈ HK$1.97M (deposit + AVD stamp duty HK$143,535 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,977
−HK$1,566/mo
▼ 0.25% · 3.875%
HK$25,754
−HK$789/mo
Today · 4.125%
HK$26,543
baseline
▲ 0.50% · 4.625%
HK$28,158
+HK$1,615/mo
Deposit HK$609K · loan HK$5.48M · min. income ≈ HK$53,086/mo (50% DSR)
Upfront cash ≈ HK$752K (deposit + AVD stamp duty HK$143,535 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,787
−HK$1,501/mo
▼ 0.25% · 3.875%
HK$28,532
−HK$756/mo
Today · 4.125%
HK$29,288
baseline
▲ 0.50% · 4.625%
HK$30,832
+HK$1,544/mo
Deposit HK$609K · loan HK$5.48M · min. income ≈ HK$58,576/mo (50% DSR)
Upfront cash ≈ HK$752K (deposit + AVD stamp duty HK$143,535 · 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).