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$13,853
−HK$869/mo
▼ 0.25% · 3.875%
HK$14,284
−HK$438/mo
Today · 4.125%
HK$14,722
baseline
▲ 0.50% · 4.625%
HK$15,617
+HK$895/mo
Deposit HK$3.04M · loan HK$3.04M · min. income ≈ HK$29,444/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$142,513 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,411
−HK$833/mo
▼ 0.25% · 3.875%
HK$15,824
−HK$420/mo
Today · 4.125%
HK$16,244
baseline
▲ 0.50% · 4.625%
HK$17,100
+HK$856/mo
Deposit HK$3.04M · loan HK$3.04M · min. income ≈ HK$32,488/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$142,513 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,623
−HK$1,043/mo
▼ 0.25% · 3.875%
HK$17,140
−HK$526/mo
Today · 4.125%
HK$17,666
baseline
▲ 0.50% · 4.625%
HK$18,741
+HK$1,075/mo
Deposit HK$2.43M · loan HK$3.65M · min. income ≈ HK$35,332/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$142,513 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,493
−HK$1,000/mo
▼ 0.25% · 3.875%
HK$18,989
−HK$504/mo
Today · 4.125%
HK$19,493
baseline
▲ 0.50% · 4.625%
HK$20,520
+HK$1,027/mo
Deposit HK$2.43M · loan HK$3.65M · min. income ≈ HK$38,986/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$142,513 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,394
−HK$1,216/mo
▼ 0.25% · 3.875%
HK$19,997
−HK$613/mo
Today · 4.125%
HK$20,610
baseline
▲ 0.50% · 4.625%
HK$21,864
+HK$1,254/mo
Deposit HK$1.82M · loan HK$4.25M · min. income ≈ HK$41,220/mo (50% DSR)
Upfront cash ≈ HK$1.97M (deposit + AVD stamp duty HK$142,513 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,576
−HK$1,165/mo
▼ 0.25% · 3.875%
HK$22,154
−HK$587/mo
Today · 4.125%
HK$22,741
baseline
▲ 0.50% · 4.625%
HK$23,940
+HK$1,199/mo
Deposit HK$1.82M · loan HK$4.25M · min. income ≈ HK$45,482/mo (50% DSR)
Upfront cash ≈ HK$1.97M (deposit + AVD stamp duty HK$142,513 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,935
−HK$1,564/mo
▼ 0.25% · 3.875%
HK$25,711
−HK$788/mo
Today · 4.125%
HK$26,499
baseline
▲ 0.50% · 4.625%
HK$28,111
+HK$1,612/mo
Deposit HK$608K · loan HK$5.47M · min. income ≈ HK$52,998/mo (50% DSR)
Upfront cash ≈ HK$750K (deposit + AVD stamp duty HK$142,513 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,740
−HK$1,499/mo
▼ 0.25% · 3.875%
HK$28,484
−HK$755/mo
Today · 4.125%
HK$29,239
baseline
▲ 0.50% · 4.625%
HK$30,780
+HK$1,541/mo
Deposit HK$608K · loan HK$5.47M · min. income ≈ HK$58,478/mo (50% DSR)
Upfront cash ≈ HK$750K (deposit + AVD stamp duty HK$142,513 · 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).