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$13,834
−HK$867/mo
▼ 0.25% · 3.875%
HK$14,264
−HK$437/mo
Today · 4.125%
HK$14,701
baseline
▲ 0.50% · 4.625%
HK$15,596
+HK$895/mo
Deposit HK$3.03M · loan HK$3.03M · min. income ≈ HK$29,402/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$141,678 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,390
−HK$831/mo
▼ 0.25% · 3.875%
HK$15,803
−HK$418/mo
Today · 4.125%
HK$16,221
baseline
▲ 0.50% · 4.625%
HK$17,077
+HK$856/mo
Deposit HK$3.03M · loan HK$3.03M · min. income ≈ HK$32,442/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$141,678 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,601
−HK$1,041/mo
▼ 0.25% · 3.875%
HK$17,117
−HK$525/mo
Today · 4.125%
HK$17,642
baseline
▲ 0.50% · 4.625%
HK$18,715
+HK$1,073/mo
Deposit HK$2.43M · loan HK$3.64M · min. income ≈ HK$35,284/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$141,678 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,468
−HK$998/mo
▼ 0.25% · 3.875%
HK$18,963
−HK$503/mo
Today · 4.125%
HK$19,466
baseline
▲ 0.50% · 4.625%
HK$20,492
+HK$1,026/mo
Deposit HK$2.43M · loan HK$3.64M · min. income ≈ HK$38,932/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$141,678 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,367
−HK$1,215/mo
▼ 0.25% · 3.875%
HK$19,970
−HK$612/mo
Today · 4.125%
HK$20,582
baseline
▲ 0.50% · 4.625%
HK$21,834
+HK$1,252/mo
Deposit HK$1.82M · loan HK$4.25M · min. income ≈ HK$41,164/mo (50% DSR)
Upfront cash ≈ HK$1.96M (deposit + AVD stamp duty HK$141,678 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,546
−HK$1,164/mo
▼ 0.25% · 3.875%
HK$22,124
−HK$586/mo
Today · 4.125%
HK$22,710
baseline
▲ 0.50% · 4.625%
HK$23,907
+HK$1,197/mo
Deposit HK$1.82M · loan HK$4.25M · min. income ≈ HK$45,420/mo (50% DSR)
Upfront cash ≈ HK$1.96M (deposit + AVD stamp duty HK$141,678 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,901
−HK$1,561/mo
▼ 0.25% · 3.875%
HK$25,675
−HK$787/mo
Today · 4.125%
HK$26,462
baseline
▲ 0.50% · 4.625%
HK$28,073
+HK$1,611/mo
Deposit HK$607K · loan HK$5.46M · min. income ≈ HK$52,924/mo (50% DSR)
Upfront cash ≈ HK$748K (deposit + AVD stamp duty HK$141,678 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,702
−HK$1,497/mo
▼ 0.25% · 3.875%
HK$28,445
−HK$754/mo
Today · 4.125%
HK$29,199
baseline
▲ 0.50% · 4.625%
HK$30,738
+HK$1,539/mo
Deposit HK$607K · loan HK$5.46M · min. income ≈ HK$58,398/mo (50% DSR)
Upfront cash ≈ HK$748K (deposit + AVD stamp duty HK$141,678 · 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).