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$13,876
−HK$870/mo
▼ 0.25% · 3.875%
HK$14,307
−HK$439/mo
Today · 4.125%
HK$14,746
baseline
▲ 0.50% · 4.625%
HK$15,643
+HK$897/mo
Deposit HK$3.04M · loan HK$3.04M · min. income ≈ HK$29,492/mo (50% DSR)
Upfront cash ≈ HK$3.19M (deposit + AVD stamp duty HK$143,510 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,436
−HK$834/mo
▼ 0.25% · 3.875%
HK$15,850
−HK$420/mo
Today · 4.125%
HK$16,270
baseline
▲ 0.50% · 4.625%
HK$17,128
+HK$858/mo
Deposit HK$3.04M · loan HK$3.04M · min. income ≈ HK$32,540/mo (50% DSR)
Upfront cash ≈ HK$3.19M (deposit + AVD stamp duty HK$143,510 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,651
−HK$1,044/mo
▼ 0.25% · 3.875%
HK$17,169
−HK$526/mo
Today · 4.125%
HK$17,695
baseline
▲ 0.50% · 4.625%
HK$18,772
+HK$1,077/mo
Deposit HK$2.43M · loan HK$3.65M · min. income ≈ HK$35,390/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$143,510 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,524
−HK$1,000/mo
▼ 0.25% · 3.875%
HK$19,021
−HK$503/mo
Today · 4.125%
HK$19,524
baseline
▲ 0.50% · 4.625%
HK$20,554
+HK$1,030/mo
Deposit HK$2.43M · loan HK$3.65M · min. income ≈ HK$39,048/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$143,510 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,426
−HK$1,218/mo
▼ 0.25% · 3.875%
HK$20,030
−HK$614/mo
Today · 4.125%
HK$20,644
baseline
▲ 0.50% · 4.625%
HK$21,900
+HK$1,256/mo
Deposit HK$1.83M · loan HK$4.26M · min. income ≈ HK$41,288/mo (50% DSR)
Upfront cash ≈ HK$1.97M (deposit + AVD stamp duty HK$143,510 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,611
−HK$1,168/mo
▼ 0.25% · 3.875%
HK$22,191
−HK$588/mo
Today · 4.125%
HK$22,779
baseline
▲ 0.50% · 4.625%
HK$23,979
+HK$1,200/mo
Deposit HK$1.83M · loan HK$4.26M · min. income ≈ HK$45,558/mo (50% DSR)
Upfront cash ≈ HK$1.97M (deposit + AVD stamp duty HK$143,510 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,976
−HK$1,566/mo
▼ 0.25% · 3.875%
HK$25,753
−HK$789/mo
Today · 4.125%
HK$26,542
baseline
▲ 0.50% · 4.625%
HK$28,157
+HK$1,615/mo
Deposit HK$609K · loan HK$5.48M · min. income ≈ HK$53,084/mo (50% DSR)
Upfront cash ≈ HK$752K (deposit + AVD stamp duty HK$143,510 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,786
−HK$1,501/mo
▼ 0.25% · 3.875%
HK$28,531
−HK$756/mo
Today · 4.125%
HK$29,287
baseline
▲ 0.50% · 4.625%
HK$30,830
+HK$1,543/mo
Deposit HK$609K · loan HK$5.48M · min. income ≈ HK$58,574/mo (50% DSR)
Upfront cash ≈ HK$752K (deposit + AVD stamp duty HK$143,510 · 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).