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$13,871
−HK$870/mo
▼ 0.25% · 3.875%
HK$14,303
−HK$438/mo
Today · 4.125%
HK$14,741
baseline
▲ 0.50% · 4.625%
HK$15,638
+HK$897/mo
Deposit HK$3.04M · loan HK$3.04M · min. income ≈ HK$29,482/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$143,319 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,432
−HK$833/mo
▼ 0.25% · 3.875%
HK$15,845
−HK$420/mo
Today · 4.125%
HK$16,265
baseline
▲ 0.50% · 4.625%
HK$17,123
+HK$858/mo
Deposit HK$3.04M · loan HK$3.04M · min. income ≈ HK$32,530/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$143,319 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,645
−HK$1,044/mo
▼ 0.25% · 3.875%
HK$17,163
−HK$526/mo
Today · 4.125%
HK$17,689
baseline
▲ 0.50% · 4.625%
HK$18,766
+HK$1,077/mo
Deposit HK$2.43M · loan HK$3.65M · min. income ≈ HK$35,378/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$143,319 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,518
−HK$1,000/mo
▼ 0.25% · 3.875%
HK$19,015
−HK$503/mo
Today · 4.125%
HK$19,518
baseline
▲ 0.50% · 4.625%
HK$20,547
+HK$1,029/mo
Deposit HK$2.43M · loan HK$3.65M · min. income ≈ HK$39,036/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$143,319 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,420
−HK$1,218/mo
▼ 0.25% · 3.875%
HK$20,024
−HK$614/mo
Today · 4.125%
HK$20,638
baseline
▲ 0.50% · 4.625%
HK$21,893
+HK$1,255/mo
Deposit HK$1.82M · loan HK$4.26M · min. income ≈ HK$41,276/mo (50% DSR)
Upfront cash ≈ HK$1.97M (deposit + AVD stamp duty HK$143,319 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,604
−HK$1,167/mo
▼ 0.25% · 3.875%
HK$22,184
−HK$587/mo
Today · 4.125%
HK$22,771
baseline
▲ 0.50% · 4.625%
HK$23,972
+HK$1,201/mo
Deposit HK$1.82M · loan HK$4.26M · min. income ≈ HK$45,542/mo (50% DSR)
Upfront cash ≈ HK$1.97M (deposit + AVD stamp duty HK$143,319 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,968
−HK$1,566/mo
▼ 0.25% · 3.875%
HK$25,745
−HK$789/mo
Today · 4.125%
HK$26,534
baseline
▲ 0.50% · 4.625%
HK$28,148
+HK$1,614/mo
Deposit HK$608K · loan HK$5.47M · min. income ≈ HK$53,068/mo (50% DSR)
Upfront cash ≈ HK$752K (deposit + AVD stamp duty HK$143,319 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,777
−HK$1,501/mo
▼ 0.25% · 3.875%
HK$28,522
−HK$756/mo
Today · 4.125%
HK$29,278
baseline
▲ 0.50% · 4.625%
HK$30,821
+HK$1,543/mo
Deposit HK$608K · loan HK$5.47M · min. income ≈ HK$58,556/mo (50% DSR)
Upfront cash ≈ HK$752K (deposit + AVD stamp duty HK$143,319 · 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).