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$13,858
−HK$869/mo
▼ 0.25% · 3.875%
HK$14,289
−HK$438/mo
Today · 4.125%
HK$14,727
baseline
▲ 0.50% · 4.625%
HK$15,623
+HK$896/mo
Deposit HK$3.04M · loan HK$3.04M · min. income ≈ HK$29,454/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$142,731 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,417
−HK$833/mo
▼ 0.25% · 3.875%
HK$15,830
−HK$420/mo
Today · 4.125%
HK$16,250
baseline
▲ 0.50% · 4.625%
HK$17,106
+HK$856/mo
Deposit HK$3.04M · loan HK$3.04M · min. income ≈ HK$32,500/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$142,731 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,629
−HK$1,043/mo
▼ 0.25% · 3.875%
HK$17,147
−HK$525/mo
Today · 4.125%
HK$17,672
baseline
▲ 0.50% · 4.625%
HK$18,747
+HK$1,075/mo
Deposit HK$2.43M · loan HK$3.65M · min. income ≈ HK$35,344/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$142,731 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,500
−HK$1,000/mo
▼ 0.25% · 3.875%
HK$18,996
−HK$504/mo
Today · 4.125%
HK$19,500
baseline
▲ 0.50% · 4.625%
HK$20,527
+HK$1,027/mo
Deposit HK$2.43M · loan HK$3.65M · min. income ≈ HK$39,000/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$142,731 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,401
−HK$1,217/mo
▼ 0.25% · 3.875%
HK$20,004
−HK$614/mo
Today · 4.125%
HK$20,618
baseline
▲ 0.50% · 4.625%
HK$21,872
+HK$1,254/mo
Deposit HK$1.82M · loan HK$4.25M · min. income ≈ HK$41,236/mo (50% DSR)
Upfront cash ≈ HK$1.97M (deposit + AVD stamp duty HK$142,731 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,583
−HK$1,166/mo
▼ 0.25% · 3.875%
HK$22,162
−HK$587/mo
Today · 4.125%
HK$22,749
baseline
▲ 0.50% · 4.625%
HK$23,949
+HK$1,200/mo
Deposit HK$1.82M · loan HK$4.25M · min. income ≈ HK$45,498/mo (50% DSR)
Upfront cash ≈ HK$1.97M (deposit + AVD stamp duty HK$142,731 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,944
−HK$1,564/mo
▼ 0.25% · 3.875%
HK$25,720
−HK$788/mo
Today · 4.125%
HK$26,508
baseline
▲ 0.50% · 4.625%
HK$28,121
+HK$1,613/mo
Deposit HK$608K · loan HK$5.47M · min. income ≈ HK$53,016/mo (50% DSR)
Upfront cash ≈ HK$750K (deposit + AVD stamp duty HK$142,731 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,750
−HK$1,499/mo
▼ 0.25% · 3.875%
HK$28,494
−HK$755/mo
Today · 4.125%
HK$29,249
baseline
▲ 0.50% · 4.625%
HK$30,791
+HK$1,542/mo
Deposit HK$608K · loan HK$5.47M · min. income ≈ HK$58,498/mo (50% DSR)
Upfront cash ≈ HK$750K (deposit + AVD stamp duty HK$142,731 · 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).