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$13,878
−HK$870/mo
▼ 0.25% · 3.875%
HK$14,310
−HK$438/mo
Today · 4.125%
HK$14,748
baseline
▲ 0.50% · 4.625%
HK$15,646
+HK$898/mo
Deposit HK$3.04M · loan HK$3.04M · min. income ≈ HK$29,496/mo (50% DSR)
Upfront cash ≈ HK$3.19M (deposit + AVD stamp duty HK$143,620 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,439
−HK$834/mo
▼ 0.25% · 3.875%
HK$15,853
−HK$420/mo
Today · 4.125%
HK$16,273
baseline
▲ 0.50% · 4.625%
HK$17,131
+HK$858/mo
Deposit HK$3.04M · loan HK$3.04M · min. income ≈ HK$32,546/mo (50% DSR)
Upfront cash ≈ HK$3.19M (deposit + AVD stamp duty HK$143,620 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,654
−HK$1,044/mo
▼ 0.25% · 3.875%
HK$17,172
−HK$526/mo
Today · 4.125%
HK$17,698
baseline
▲ 0.50% · 4.625%
HK$18,775
+HK$1,077/mo
Deposit HK$2.43M · loan HK$3.65M · min. income ≈ HK$35,396/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$143,620 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,527
−HK$1,001/mo
▼ 0.25% · 3.875%
HK$19,024
−HK$504/mo
Today · 4.125%
HK$19,528
baseline
▲ 0.50% · 4.625%
HK$20,557
+HK$1,029/mo
Deposit HK$2.43M · loan HK$3.65M · min. income ≈ HK$39,056/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$143,620 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,429
−HK$1,219/mo
▼ 0.25% · 3.875%
HK$20,034
−HK$614/mo
Today · 4.125%
HK$20,648
baseline
▲ 0.50% · 4.625%
HK$21,904
+HK$1,256/mo
Deposit HK$1.83M · loan HK$4.26M · min. income ≈ HK$41,296/mo (50% DSR)
Upfront cash ≈ HK$1.97M (deposit + AVD stamp duty HK$143,620 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,615
−HK$1,168/mo
▼ 0.25% · 3.875%
HK$22,195
−HK$588/mo
Today · 4.125%
HK$22,783
baseline
▲ 0.50% · 4.625%
HK$23,984
+HK$1,201/mo
Deposit HK$1.83M · loan HK$4.26M · min. income ≈ HK$45,566/mo (50% DSR)
Upfront cash ≈ HK$1.97M (deposit + AVD stamp duty HK$143,620 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,981
−HK$1,566/mo
▼ 0.25% · 3.875%
HK$25,758
−HK$789/mo
Today · 4.125%
HK$26,547
baseline
▲ 0.50% · 4.625%
HK$28,162
+HK$1,615/mo
Deposit HK$609K · loan HK$5.48M · min. income ≈ HK$53,094/mo (50% DSR)
Upfront cash ≈ HK$752K (deposit + AVD stamp duty HK$143,620 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,791
−HK$1,501/mo
▼ 0.25% · 3.875%
HK$28,536
−HK$756/mo
Today · 4.125%
HK$29,292
baseline
▲ 0.50% · 4.625%
HK$30,836
+HK$1,544/mo
Deposit HK$609K · loan HK$5.48M · min. income ≈ HK$58,584/mo (50% DSR)
Upfront cash ≈ HK$752K (deposit + AVD stamp duty HK$143,620 · 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).