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$13,852
−HK$868/mo
▼ 0.25% · 3.875%
HK$14,282
−HK$438/mo
Today · 4.125%
HK$14,720
baseline
▲ 0.50% · 4.625%
HK$15,616
+HK$896/mo
Deposit HK$3.04M · loan HK$3.04M · min. income ≈ HK$29,440/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$142,456 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,410
−HK$832/mo
▼ 0.25% · 3.875%
HK$15,823
−HK$419/mo
Today · 4.125%
HK$16,242
baseline
▲ 0.50% · 4.625%
HK$17,098
+HK$856/mo
Deposit HK$3.04M · loan HK$3.04M · min. income ≈ HK$32,484/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$142,456 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,622
−HK$1,042/mo
▼ 0.25% · 3.875%
HK$17,139
−HK$525/mo
Today · 4.125%
HK$17,664
baseline
▲ 0.50% · 4.625%
HK$18,739
+HK$1,075/mo
Deposit HK$2.43M · loan HK$3.64M · min. income ≈ HK$35,328/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$142,456 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,492
−HK$999/mo
▼ 0.25% · 3.875%
HK$18,988
−HK$503/mo
Today · 4.125%
HK$19,491
baseline
▲ 0.50% · 4.625%
HK$20,518
+HK$1,027/mo
Deposit HK$2.43M · loan HK$3.64M · min. income ≈ HK$38,982/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$142,456 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,392
−HK$1,216/mo
▼ 0.25% · 3.875%
HK$19,995
−HK$613/mo
Today · 4.125%
HK$20,608
baseline
▲ 0.50% · 4.625%
HK$21,862
+HK$1,254/mo
Deposit HK$1.82M · loan HK$4.25M · min. income ≈ HK$41,216/mo (50% DSR)
Upfront cash ≈ HK$1.96M (deposit + AVD stamp duty HK$142,456 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,574
−HK$1,165/mo
▼ 0.25% · 3.875%
HK$22,152
−HK$587/mo
Today · 4.125%
HK$22,739
baseline
▲ 0.50% · 4.625%
HK$23,938
+HK$1,199/mo
Deposit HK$1.82M · loan HK$4.25M · min. income ≈ HK$45,478/mo (50% DSR)
Upfront cash ≈ HK$1.96M (deposit + AVD stamp duty HK$142,456 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,933
−HK$1,563/mo
▼ 0.25% · 3.875%
HK$25,708
−HK$788/mo
Today · 4.125%
HK$26,496
baseline
▲ 0.50% · 4.625%
HK$28,109
+HK$1,613/mo
Deposit HK$607K · loan HK$5.47M · min. income ≈ HK$52,992/mo (50% DSR)
Upfront cash ≈ HK$750K (deposit + AVD stamp duty HK$142,456 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,737
−HK$1,499/mo
▼ 0.25% · 3.875%
HK$28,481
−HK$755/mo
Today · 4.125%
HK$29,236
baseline
▲ 0.50% · 4.625%
HK$30,777
+HK$1,541/mo
Deposit HK$607K · loan HK$5.47M · min. income ≈ HK$58,472/mo (50% DSR)
Upfront cash ≈ HK$750K (deposit + AVD stamp duty HK$142,456 · 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).