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$13,853
−HK$869/mo
▼ 0.25% · 3.875%
HK$14,284
−HK$438/mo
Today · 4.125%
HK$14,722
baseline
▲ 0.50% · 4.625%
HK$15,618
+HK$896/mo
Deposit HK$3.04M · loan HK$3.04M · min. income ≈ HK$29,444/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$142,537 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,412
−HK$832/mo
▼ 0.25% · 3.875%
HK$15,825
−HK$419/mo
Today · 4.125%
HK$16,244
baseline
▲ 0.50% · 4.625%
HK$17,101
+HK$857/mo
Deposit HK$3.04M · loan HK$3.04M · min. income ≈ HK$32,488/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$142,537 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,624
−HK$1,043/mo
▼ 0.25% · 3.875%
HK$17,141
−HK$526/mo
Today · 4.125%
HK$17,667
baseline
▲ 0.50% · 4.625%
HK$18,742
+HK$1,075/mo
Deposit HK$2.43M · loan HK$3.65M · min. income ≈ HK$35,334/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$142,537 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,494
−HK$999/mo
▼ 0.25% · 3.875%
HK$18,990
−HK$503/mo
Today · 4.125%
HK$19,493
baseline
▲ 0.50% · 4.625%
HK$20,521
+HK$1,028/mo
Deposit HK$2.43M · loan HK$3.65M · min. income ≈ HK$38,986/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$142,537 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,395
−HK$1,216/mo
▼ 0.25% · 3.875%
HK$19,998
−HK$613/mo
Today · 4.125%
HK$20,611
baseline
▲ 0.50% · 4.625%
HK$21,865
+HK$1,254/mo
Deposit HK$1.82M · loan HK$4.25M · min. income ≈ HK$41,222/mo (50% DSR)
Upfront cash ≈ HK$1.97M (deposit + AVD stamp duty HK$142,537 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,576
−HK$1,166/mo
▼ 0.25% · 3.875%
HK$22,155
−HK$587/mo
Today · 4.125%
HK$22,742
baseline
▲ 0.50% · 4.625%
HK$23,941
+HK$1,199/mo
Deposit HK$1.82M · loan HK$4.25M · min. income ≈ HK$45,484/mo (50% DSR)
Upfront cash ≈ HK$1.97M (deposit + AVD stamp duty HK$142,537 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,936
−HK$1,564/mo
▼ 0.25% · 3.875%
HK$25,712
−HK$788/mo
Today · 4.125%
HK$26,500
baseline
▲ 0.50% · 4.625%
HK$28,112
+HK$1,612/mo
Deposit HK$608K · loan HK$5.47M · min. income ≈ HK$53,000/mo (50% DSR)
Upfront cash ≈ HK$750K (deposit + AVD stamp duty HK$142,537 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,741
−HK$1,499/mo
▼ 0.25% · 3.875%
HK$28,485
−HK$755/mo
Today · 4.125%
HK$29,240
baseline
▲ 0.50% · 4.625%
HK$30,781
+HK$1,541/mo
Deposit HK$608K · loan HK$5.47M · min. income ≈ HK$58,480/mo (50% DSR)
Upfront cash ≈ HK$750K (deposit + AVD stamp duty HK$142,537 · 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).