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$13,845
−HK$868/mo
▼ 0.25% · 3.875%
HK$14,275
−HK$438/mo
Today · 4.125%
HK$14,713
baseline
▲ 0.50% · 4.625%
HK$15,608
+HK$895/mo
Deposit HK$3.04M · loan HK$3.04M · min. income ≈ HK$29,426/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$142,152 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,402
−HK$832/mo
▼ 0.25% · 3.875%
HK$15,815
−HK$419/mo
Today · 4.125%
HK$16,234
baseline
▲ 0.50% · 4.625%
HK$17,090
+HK$856/mo
Deposit HK$3.04M · loan HK$3.04M · min. income ≈ HK$32,468/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$142,152 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,614
−HK$1,041/mo
▼ 0.25% · 3.875%
HK$17,130
−HK$525/mo
Today · 4.125%
HK$17,655
baseline
▲ 0.50% · 4.625%
HK$18,730
+HK$1,075/mo
Deposit HK$2.43M · loan HK$3.64M · min. income ≈ HK$35,310/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$142,152 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,482
−HK$999/mo
▼ 0.25% · 3.875%
HK$18,978
−HK$503/mo
Today · 4.125%
HK$19,481
baseline
▲ 0.50% · 4.625%
HK$20,508
+HK$1,027/mo
Deposit HK$2.43M · loan HK$3.64M · min. income ≈ HK$38,962/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$142,152 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,382
−HK$1,216/mo
▼ 0.25% · 3.875%
HK$19,985
−HK$613/mo
Today · 4.125%
HK$20,598
baseline
▲ 0.50% · 4.625%
HK$21,851
+HK$1,253/mo
Deposit HK$1.82M · loan HK$4.25M · min. income ≈ HK$41,196/mo (50% DSR)
Upfront cash ≈ HK$1.96M (deposit + AVD stamp duty HK$142,152 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,563
−HK$1,165/mo
▼ 0.25% · 3.875%
HK$22,141
−HK$587/mo
Today · 4.125%
HK$22,728
baseline
▲ 0.50% · 4.625%
HK$23,926
+HK$1,198/mo
Deposit HK$1.82M · loan HK$4.25M · min. income ≈ HK$45,456/mo (50% DSR)
Upfront cash ≈ HK$1.96M (deposit + AVD stamp duty HK$142,152 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,920
−HK$1,563/mo
▼ 0.25% · 3.875%
HK$25,695
−HK$788/mo
Today · 4.125%
HK$26,483
baseline
▲ 0.50% · 4.625%
HK$28,094
+HK$1,611/mo
Deposit HK$607K · loan HK$5.46M · min. income ≈ HK$52,966/mo (50% DSR)
Upfront cash ≈ HK$749K (deposit + AVD stamp duty HK$142,152 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,724
−HK$1,497/mo
▼ 0.25% · 3.875%
HK$28,467
−HK$754/mo
Today · 4.125%
HK$29,221
baseline
▲ 0.50% · 4.625%
HK$30,762
+HK$1,541/mo
Deposit HK$607K · loan HK$5.46M · min. income ≈ HK$58,442/mo (50% DSR)
Upfront cash ≈ HK$749K (deposit + AVD stamp duty HK$142,152 · 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).