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$13,848
−HK$868/mo
▼ 0.25% · 3.875%
HK$14,279
−HK$437/mo
Today · 4.125%
HK$14,716
baseline
▲ 0.50% · 4.625%
HK$15,612
+HK$896/mo
Deposit HK$3.04M · loan HK$3.04M · min. income ≈ HK$29,432/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$142,295 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,406
−HK$832/mo
▼ 0.25% · 3.875%
HK$15,819
−HK$419/mo
Today · 4.125%
HK$16,238
baseline
▲ 0.50% · 4.625%
HK$17,094
+HK$856/mo
Deposit HK$3.04M · loan HK$3.04M · min. income ≈ HK$32,476/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$142,295 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,617
−HK$1,043/mo
▼ 0.25% · 3.875%
HK$17,134
−HK$526/mo
Today · 4.125%
HK$17,660
baseline
▲ 0.50% · 4.625%
HK$18,734
+HK$1,074/mo
Deposit HK$2.43M · loan HK$3.64M · min. income ≈ HK$35,320/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$142,295 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,487
−HK$999/mo
▼ 0.25% · 3.875%
HK$18,983
−HK$503/mo
Today · 4.125%
HK$19,486
baseline
▲ 0.50% · 4.625%
HK$20,513
+HK$1,027/mo
Deposit HK$2.43M · loan HK$3.64M · min. income ≈ HK$38,972/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$142,295 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,387
−HK$1,216/mo
▼ 0.25% · 3.875%
HK$19,990
−HK$613/mo
Today · 4.125%
HK$20,603
baseline
▲ 0.50% · 4.625%
HK$21,856
+HK$1,253/mo
Deposit HK$1.82M · loan HK$4.25M · min. income ≈ HK$41,206/mo (50% DSR)
Upfront cash ≈ HK$1.96M (deposit + AVD stamp duty HK$142,295 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,568
−HK$1,165/mo
▼ 0.25% · 3.875%
HK$22,146
−HK$587/mo
Today · 4.125%
HK$22,733
baseline
▲ 0.50% · 4.625%
HK$23,931
+HK$1,198/mo
Deposit HK$1.82M · loan HK$4.25M · min. income ≈ HK$45,466/mo (50% DSR)
Upfront cash ≈ HK$1.96M (deposit + AVD stamp duty HK$142,295 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,926
−HK$1,563/mo
▼ 0.25% · 3.875%
HK$25,702
−HK$787/mo
Today · 4.125%
HK$26,489
baseline
▲ 0.50% · 4.625%
HK$28,101
+HK$1,612/mo
Deposit HK$607K · loan HK$5.47M · min. income ≈ HK$52,978/mo (50% DSR)
Upfront cash ≈ HK$750K (deposit + AVD stamp duty HK$142,295 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,730
−HK$1,498/mo
▼ 0.25% · 3.875%
HK$28,474
−HK$754/mo
Today · 4.125%
HK$29,228
baseline
▲ 0.50% · 4.625%
HK$30,769
+HK$1,541/mo
Deposit HK$607K · loan HK$5.47M · min. income ≈ HK$58,456/mo (50% DSR)
Upfront cash ≈ HK$750K (deposit + AVD stamp duty HK$142,295 · 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).