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$13,875
−HK$870/mo
▼ 0.25% · 3.875%
HK$14,306
−HK$439/mo
Today · 4.125%
HK$14,745
baseline
▲ 0.50% · 4.625%
HK$15,642
+HK$897/mo
Deposit HK$3.04M · loan HK$3.04M · min. income ≈ HK$29,490/mo (50% DSR)
Upfront cash ≈ HK$3.19M (deposit + AVD stamp duty HK$143,470 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,435
−HK$834/mo
▼ 0.25% · 3.875%
HK$15,849
−HK$420/mo
Today · 4.125%
HK$16,269
baseline
▲ 0.50% · 4.625%
HK$17,127
+HK$858/mo
Deposit HK$3.04M · loan HK$3.04M · min. income ≈ HK$32,538/mo (50% DSR)
Upfront cash ≈ HK$3.19M (deposit + AVD stamp duty HK$143,470 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,650
−HK$1,044/mo
▼ 0.25% · 3.875%
HK$17,168
−HK$526/mo
Today · 4.125%
HK$17,694
baseline
▲ 0.50% · 4.625%
HK$18,770
+HK$1,076/mo
Deposit HK$2.43M · loan HK$3.65M · min. income ≈ HK$35,388/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$143,470 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,523
−HK$1,000/mo
▼ 0.25% · 3.875%
HK$19,019
−HK$504/mo
Today · 4.125%
HK$19,523
baseline
▲ 0.50% · 4.625%
HK$20,552
+HK$1,029/mo
Deposit HK$2.43M · loan HK$3.65M · min. income ≈ HK$39,046/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$143,470 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,425
−HK$1,218/mo
▼ 0.25% · 3.875%
HK$20,029
−HK$614/mo
Today · 4.125%
HK$20,643
baseline
▲ 0.50% · 4.625%
HK$21,899
+HK$1,256/mo
Deposit HK$1.83M · loan HK$4.26M · min. income ≈ HK$41,286/mo (50% DSR)
Upfront cash ≈ HK$1.97M (deposit + AVD stamp duty HK$143,470 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,610
−HK$1,167/mo
▼ 0.25% · 3.875%
HK$22,189
−HK$588/mo
Today · 4.125%
HK$22,777
baseline
▲ 0.50% · 4.625%
HK$23,978
+HK$1,201/mo
Deposit HK$1.83M · loan HK$4.26M · min. income ≈ HK$45,554/mo (50% DSR)
Upfront cash ≈ HK$1.97M (deposit + AVD stamp duty HK$143,470 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,974
−HK$1,567/mo
▼ 0.25% · 3.875%
HK$25,751
−HK$790/mo
Today · 4.125%
HK$26,541
baseline
▲ 0.50% · 4.625%
HK$28,155
+HK$1,614/mo
Deposit HK$608K · loan HK$5.48M · min. income ≈ HK$53,082/mo (50% DSR)
Upfront cash ≈ HK$752K (deposit + AVD stamp duty HK$143,470 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,784
−HK$1,501/mo
▼ 0.25% · 3.875%
HK$28,529
−HK$756/mo
Today · 4.125%
HK$29,285
baseline
▲ 0.50% · 4.625%
HK$30,828
+HK$1,543/mo
Deposit HK$608K · loan HK$5.48M · min. income ≈ HK$58,570/mo (50% DSR)
Upfront cash ≈ HK$752K (deposit + AVD stamp duty HK$143,470 · 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).