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$13,881
−HK$870/mo
▼ 0.25% · 3.875%
HK$14,312
−HK$439/mo
Today · 4.125%
HK$14,751
baseline
▲ 0.50% · 4.625%
HK$15,649
+HK$898/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$143,735 · 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$143,735 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,657
−HK$1,044/mo
▼ 0.25% · 3.875%
HK$17,175
−HK$526/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$143,735 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,531
−HK$1,001/mo
▼ 0.25% · 3.875%
HK$19,028
−HK$504/mo
Today · 4.125%
HK$19,532
baseline
▲ 0.50% · 4.625%
HK$20,561
+HK$1,029/mo
Deposit HK$2.43M · loan HK$3.65M · min. income ≈ HK$39,064/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$143,735 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,433
−HK$1,219/mo
▼ 0.25% · 3.875%
HK$20,037
−HK$615/mo
Today · 4.125%
HK$20,652
baseline
▲ 0.50% · 4.625%
HK$21,908
+HK$1,256/mo
Deposit HK$1.83M · loan HK$4.26M · min. income ≈ HK$41,304/mo (50% DSR)
Upfront cash ≈ HK$1.97M (deposit + AVD stamp duty HK$143,735 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,619
−HK$1,168/mo
▼ 0.25% · 3.875%
HK$22,199
−HK$588/mo
Today · 4.125%
HK$22,787
baseline
▲ 0.50% · 4.625%
HK$23,988
+HK$1,201/mo
Deposit HK$1.83M · loan HK$4.26M · min. income ≈ HK$45,574/mo (50% DSR)
Upfront cash ≈ HK$1.97M (deposit + AVD stamp duty HK$143,735 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,985
−HK$1,567/mo
▼ 0.25% · 3.875%
HK$25,762
−HK$790/mo
Today · 4.125%
HK$26,552
baseline
▲ 0.50% · 4.625%
HK$28,168
+HK$1,616/mo
Deposit HK$609K · loan HK$5.48M · min. income ≈ HK$53,104/mo (50% DSR)
Upfront cash ≈ HK$752K (deposit + AVD stamp duty HK$143,735 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,796
−HK$1,502/mo
▼ 0.25% · 3.875%
HK$28,541
−HK$757/mo
Today · 4.125%
HK$29,298
baseline
▲ 0.50% · 4.625%
HK$30,842
+HK$1,544/mo
Deposit HK$609K · loan HK$5.48M · min. income ≈ HK$58,596/mo (50% DSR)
Upfront cash ≈ HK$752K (deposit + AVD stamp duty HK$143,735 · 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).