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$13,827
−HK$867/mo
▼ 0.25% · 3.875%
HK$14,257
−HK$437/mo
Today · 4.125%
HK$14,694
baseline
▲ 0.50% · 4.625%
HK$15,589
+HK$895/mo
Deposit HK$3.03M · loan HK$3.03M · min. income ≈ HK$29,388/mo (50% DSR)
Upfront cash ≈ HK$3.17M (deposit + AVD stamp duty HK$141,396 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,383
−HK$831/mo
▼ 0.25% · 3.875%
HK$15,795
−HK$419/mo
Today · 4.125%
HK$16,214
baseline
▲ 0.50% · 4.625%
HK$17,069
+HK$855/mo
Deposit HK$3.03M · loan HK$3.03M · min. income ≈ HK$32,428/mo (50% DSR)
Upfront cash ≈ HK$3.17M (deposit + AVD stamp duty HK$141,396 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,593
−HK$1,040/mo
▼ 0.25% · 3.875%
HK$17,109
−HK$524/mo
Today · 4.125%
HK$17,633
baseline
▲ 0.50% · 4.625%
HK$18,706
+HK$1,073/mo
Deposit HK$2.43M · loan HK$3.64M · min. income ≈ HK$35,266/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$141,396 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,459
−HK$998/mo
▼ 0.25% · 3.875%
HK$18,954
−HK$503/mo
Today · 4.125%
HK$19,457
baseline
▲ 0.50% · 4.625%
HK$20,482
+HK$1,025/mo
Deposit HK$2.43M · loan HK$3.64M · min. income ≈ HK$38,914/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$141,396 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,358
−HK$1,214/mo
▼ 0.25% · 3.875%
HK$19,960
−HK$612/mo
Today · 4.125%
HK$20,572
baseline
▲ 0.50% · 4.625%
HK$21,824
+HK$1,252/mo
Deposit HK$1.82M · loan HK$4.24M · min. income ≈ HK$41,144/mo (50% DSR)
Upfront cash ≈ HK$1.96M (deposit + AVD stamp duty HK$141,396 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,536
−HK$1,163/mo
▼ 0.25% · 3.875%
HK$22,114
−HK$585/mo
Today · 4.125%
HK$22,699
baseline
▲ 0.50% · 4.625%
HK$23,896
+HK$1,197/mo
Deposit HK$1.82M · loan HK$4.24M · min. income ≈ HK$45,398/mo (50% DSR)
Upfront cash ≈ HK$1.96M (deposit + AVD stamp duty HK$141,396 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,889
−HK$1,561/mo
▼ 0.25% · 3.875%
HK$25,663
−HK$787/mo
Today · 4.125%
HK$26,450
baseline
▲ 0.50% · 4.625%
HK$28,059
+HK$1,609/mo
Deposit HK$606K · loan HK$5.46M · min. income ≈ HK$52,900/mo (50% DSR)
Upfront cash ≈ HK$748K (deposit + AVD stamp duty HK$141,396 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,689
−HK$1,496/mo
▼ 0.25% · 3.875%
HK$28,432
−HK$753/mo
Today · 4.125%
HK$29,185
baseline
▲ 0.50% · 4.625%
HK$30,723
+HK$1,538/mo
Deposit HK$606K · loan HK$5.46M · min. income ≈ HK$58,370/mo (50% DSR)
Upfront cash ≈ HK$748K (deposit + AVD stamp duty HK$141,396 · 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).