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$13,821
−HK$867/mo
▼ 0.25% · 3.875%
HK$14,251
−HK$437/mo
Today · 4.125%
HK$14,688
baseline
▲ 0.50% · 4.625%
HK$15,582
+HK$894/mo
Deposit HK$3.03M · loan HK$3.03M · min. income ≈ HK$29,376/mo (50% DSR)
Upfront cash ≈ HK$3.17M (deposit + AVD stamp duty HK$141,128 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,376
−HK$831/mo
▼ 0.25% · 3.875%
HK$15,788
−HK$419/mo
Today · 4.125%
HK$16,207
baseline
▲ 0.50% · 4.625%
HK$17,061
+HK$854/mo
Deposit HK$3.03M · loan HK$3.03M · min. income ≈ HK$32,414/mo (50% DSR)
Upfront cash ≈ HK$3.17M (deposit + AVD stamp duty HK$141,128 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,586
−HK$1,040/mo
▼ 0.25% · 3.875%
HK$17,101
−HK$525/mo
Today · 4.125%
HK$17,626
baseline
▲ 0.50% · 4.625%
HK$18,698
+HK$1,072/mo
Deposit HK$2.42M · loan HK$3.64M · min. income ≈ HK$35,252/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$141,128 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,451
−HK$997/mo
▼ 0.25% · 3.875%
HK$18,946
−HK$502/mo
Today · 4.125%
HK$19,448
baseline
▲ 0.50% · 4.625%
HK$20,473
+HK$1,025/mo
Deposit HK$2.42M · loan HK$3.64M · min. income ≈ HK$38,896/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$141,128 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,350
−HK$1,213/mo
▼ 0.25% · 3.875%
HK$19,952
−HK$611/mo
Today · 4.125%
HK$20,563
baseline
▲ 0.50% · 4.625%
HK$21,814
+HK$1,251/mo
Deposit HK$1.82M · loan HK$4.24M · min. income ≈ HK$41,126/mo (50% DSR)
Upfront cash ≈ HK$1.96M (deposit + AVD stamp duty HK$141,128 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,526
−HK$1,163/mo
▼ 0.25% · 3.875%
HK$22,104
−HK$585/mo
Today · 4.125%
HK$22,689
baseline
▲ 0.50% · 4.625%
HK$23,885
+HK$1,196/mo
Deposit HK$1.82M · loan HK$4.24M · min. income ≈ HK$45,378/mo (50% DSR)
Upfront cash ≈ HK$1.96M (deposit + AVD stamp duty HK$141,128 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,878
−HK$1,560/mo
▼ 0.25% · 3.875%
HK$25,652
−HK$786/mo
Today · 4.125%
HK$26,438
baseline
▲ 0.50% · 4.625%
HK$28,047
+HK$1,609/mo
Deposit HK$606K · loan HK$5.46M · min. income ≈ HK$52,876/mo (50% DSR)
Upfront cash ≈ HK$747K (deposit + AVD stamp duty HK$141,128 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,677
−HK$1,495/mo
▼ 0.25% · 3.875%
HK$28,419
−HK$753/mo
Today · 4.125%
HK$29,172
baseline
▲ 0.50% · 4.625%
HK$30,710
+HK$1,538/mo
Deposit HK$606K · loan HK$5.46M · min. income ≈ HK$58,344/mo (50% DSR)
Upfront cash ≈ HK$747K (deposit + AVD stamp duty HK$141,128 · 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).