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$13,880
−HK$871/mo
▼ 0.25% · 3.875%
HK$14,312
−HK$439/mo
Today · 4.125%
HK$14,751
baseline
▲ 0.50% · 4.625%
HK$15,648
+HK$897/mo
Deposit HK$3.04M · loan HK$3.04M · min. income ≈ HK$29,502/mo (50% DSR)
Upfront cash ≈ HK$3.19M (deposit + AVD stamp duty HK$143,713 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,442
−HK$834/mo
▼ 0.25% · 3.875%
HK$15,856
−HK$420/mo
Today · 4.125%
HK$16,276
baseline
▲ 0.50% · 4.625%
HK$17,134
+HK$858/mo
Deposit HK$3.04M · loan HK$3.04M · min. income ≈ HK$32,552/mo (50% DSR)
Upfront cash ≈ HK$3.19M (deposit + AVD stamp duty HK$143,713 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,656
−HK$1,045/mo
▼ 0.25% · 3.875%
HK$17,174
−HK$527/mo
Today · 4.125%
HK$17,701
baseline
▲ 0.50% · 4.625%
HK$18,778
+HK$1,077/mo
Deposit HK$2.43M · loan HK$3.65M · min. income ≈ HK$35,402/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$143,713 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,530
−HK$1,001/mo
▼ 0.25% · 3.875%
HK$19,027
−HK$504/mo
Today · 4.125%
HK$19,531
baseline
▲ 0.50% · 4.625%
HK$20,561
+HK$1,030/mo
Deposit HK$2.43M · loan HK$3.65M · min. income ≈ HK$39,062/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$143,713 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,432
−HK$1,219/mo
▼ 0.25% · 3.875%
HK$20,037
−HK$614/mo
Today · 4.125%
HK$20,651
baseline
▲ 0.50% · 4.625%
HK$21,907
+HK$1,256/mo
Deposit HK$1.83M · loan HK$4.26M · min. income ≈ HK$41,302/mo (50% DSR)
Upfront cash ≈ HK$1.97M (deposit + AVD stamp duty HK$143,713 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,618
−HK$1,168/mo
▼ 0.25% · 3.875%
HK$22,198
−HK$588/mo
Today · 4.125%
HK$22,786
baseline
▲ 0.50% · 4.625%
HK$23,987
+HK$1,201/mo
Deposit HK$1.83M · loan HK$4.26M · min. income ≈ HK$45,572/mo (50% DSR)
Upfront cash ≈ HK$1.97M (deposit + AVD stamp duty HK$143,713 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,984
−HK$1,567/mo
▼ 0.25% · 3.875%
HK$25,762
−HK$789/mo
Today · 4.125%
HK$26,551
baseline
▲ 0.50% · 4.625%
HK$28,167
+HK$1,616/mo
Deposit HK$609K · loan HK$5.48M · min. income ≈ HK$53,102/mo (50% DSR)
Upfront cash ≈ HK$752K (deposit + AVD stamp duty HK$143,713 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,795
−HK$1,502/mo
▼ 0.25% · 3.875%
HK$28,540
−HK$757/mo
Today · 4.125%
HK$29,297
baseline
▲ 0.50% · 4.625%
HK$30,841
+HK$1,544/mo
Deposit HK$609K · loan HK$5.48M · min. income ≈ HK$58,594/mo (50% DSR)
Upfront cash ≈ HK$752K (deposit + AVD stamp duty HK$143,713 · 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).