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$13,838
−HK$868/mo
▼ 0.25% · 3.875%
HK$14,268
−HK$438/mo
Today · 4.125%
HK$14,706
baseline
▲ 0.50% · 4.625%
HK$15,600
+HK$894/mo
Deposit HK$3.03M · loan HK$3.03M · min. income ≈ HK$29,412/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$141,852 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,394
−HK$832/mo
▼ 0.25% · 3.875%
HK$15,807
−HK$419/mo
Today · 4.125%
HK$16,226
baseline
▲ 0.50% · 4.625%
HK$17,081
+HK$855/mo
Deposit HK$3.03M · loan HK$3.03M · min. income ≈ HK$32,452/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$141,852 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,605
−HK$1,042/mo
▼ 0.25% · 3.875%
HK$17,122
−HK$525/mo
Today · 4.125%
HK$17,647
baseline
▲ 0.50% · 4.625%
HK$18,720
+HK$1,073/mo
Deposit HK$2.43M · loan HK$3.64M · min. income ≈ HK$35,294/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$141,852 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,473
−HK$998/mo
▼ 0.25% · 3.875%
HK$18,969
−HK$502/mo
Today · 4.125%
HK$19,471
baseline
▲ 0.50% · 4.625%
HK$20,498
+HK$1,027/mo
Deposit HK$2.43M · loan HK$3.64M · min. income ≈ HK$38,942/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$141,852 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,373
−HK$1,215/mo
▼ 0.25% · 3.875%
HK$19,975
−HK$613/mo
Today · 4.125%
HK$20,588
baseline
▲ 0.50% · 4.625%
HK$21,840
+HK$1,252/mo
Deposit HK$1.82M · loan HK$4.25M · min. income ≈ HK$41,176/mo (50% DSR)
Upfront cash ≈ HK$1.96M (deposit + AVD stamp duty HK$141,852 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,552
−HK$1,165/mo
▼ 0.25% · 3.875%
HK$22,130
−HK$587/mo
Today · 4.125%
HK$22,717
baseline
▲ 0.50% · 4.625%
HK$23,914
+HK$1,197/mo
Deposit HK$1.82M · loan HK$4.25M · min. income ≈ HK$45,434/mo (50% DSR)
Upfront cash ≈ HK$1.96M (deposit + AVD stamp duty HK$141,852 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,908
−HK$1,562/mo
▼ 0.25% · 3.875%
HK$25,683
−HK$787/mo
Today · 4.125%
HK$26,470
baseline
▲ 0.50% · 4.625%
HK$28,081
+HK$1,611/mo
Deposit HK$607K · loan HK$5.46M · min. income ≈ HK$52,940/mo (50% DSR)
Upfront cash ≈ HK$749K (deposit + AVD stamp duty HK$141,852 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,710
−HK$1,497/mo
▼ 0.25% · 3.875%
HK$28,453
−HK$754/mo
Today · 4.125%
HK$29,207
baseline
▲ 0.50% · 4.625%
HK$30,747
+HK$1,540/mo
Deposit HK$607K · loan HK$5.46M · min. income ≈ HK$58,414/mo (50% DSR)
Upfront cash ≈ HK$749K (deposit + AVD stamp duty HK$141,852 · 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).