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$13,824
−HK$867/mo
▼ 0.25% · 3.875%
HK$14,255
−HK$436/mo
Today · 4.125%
HK$14,691
baseline
▲ 0.50% · 4.625%
HK$15,585
+HK$894/mo
Deposit HK$3.03M · loan HK$3.03M · min. income ≈ HK$29,382/mo (50% DSR)
Upfront cash ≈ HK$3.17M (deposit + AVD stamp duty HK$141,269 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,380
−HK$831/mo
▼ 0.25% · 3.875%
HK$15,792
−HK$419/mo
Today · 4.125%
HK$16,211
baseline
▲ 0.50% · 4.625%
HK$17,065
+HK$854/mo
Deposit HK$3.03M · loan HK$3.03M · min. income ≈ HK$32,422/mo (50% DSR)
Upfront cash ≈ HK$3.17M (deposit + AVD stamp duty HK$141,269 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,589
−HK$1,041/mo
▼ 0.25% · 3.875%
HK$17,105
−HK$525/mo
Today · 4.125%
HK$17,630
baseline
▲ 0.50% · 4.625%
HK$18,702
+HK$1,072/mo
Deposit HK$2.43M · loan HK$3.64M · min. income ≈ HK$35,260/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$141,269 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,456
−HK$997/mo
▼ 0.25% · 3.875%
HK$18,950
−HK$503/mo
Today · 4.125%
HK$19,453
baseline
▲ 0.50% · 4.625%
HK$20,478
+HK$1,025/mo
Deposit HK$2.43M · loan HK$3.64M · min. income ≈ HK$38,906/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$141,269 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,354
−HK$1,214/mo
▼ 0.25% · 3.875%
HK$19,956
−HK$612/mo
Today · 4.125%
HK$20,568
baseline
▲ 0.50% · 4.625%
HK$21,819
+HK$1,251/mo
Deposit HK$1.82M · loan HK$4.24M · min. income ≈ HK$41,136/mo (50% DSR)
Upfront cash ≈ HK$1.96M (deposit + AVD stamp duty HK$141,269 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,531
−HK$1,164/mo
▼ 0.25% · 3.875%
HK$22,109
−HK$586/mo
Today · 4.125%
HK$22,695
baseline
▲ 0.50% · 4.625%
HK$23,891
+HK$1,196/mo
Deposit HK$1.82M · loan HK$4.24M · min. income ≈ HK$45,390/mo (50% DSR)
Upfront cash ≈ HK$1.96M (deposit + AVD stamp duty HK$141,269 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,884
−HK$1,561/mo
▼ 0.25% · 3.875%
HK$25,658
−HK$787/mo
Today · 4.125%
HK$26,445
baseline
▲ 0.50% · 4.625%
HK$28,054
+HK$1,609/mo
Deposit HK$606K · loan HK$5.46M · min. income ≈ HK$52,890/mo (50% DSR)
Upfront cash ≈ HK$748K (deposit + AVD stamp duty HK$141,269 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,683
−HK$1,496/mo
▼ 0.25% · 3.875%
HK$28,426
−HK$753/mo
Today · 4.125%
HK$29,179
baseline
▲ 0.50% · 4.625%
HK$30,717
+HK$1,538/mo
Deposit HK$606K · loan HK$5.46M · min. income ≈ HK$58,358/mo (50% DSR)
Upfront cash ≈ HK$748K (deposit + AVD stamp duty HK$141,269 · 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).