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$13,829
−HK$868/mo
▼ 0.25% · 3.875%
HK$14,260
−HK$437/mo
Today · 4.125%
HK$14,697
baseline
▲ 0.50% · 4.625%
HK$15,591
+HK$894/mo
Deposit HK$3.03M · loan HK$3.03M · min. income ≈ HK$29,394/mo (50% DSR)
Upfront cash ≈ HK$3.17M (deposit + AVD stamp duty HK$141,484 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,385
−HK$831/mo
▼ 0.25% · 3.875%
HK$15,798
−HK$418/mo
Today · 4.125%
HK$16,216
baseline
▲ 0.50% · 4.625%
HK$17,071
+HK$855/mo
Deposit HK$3.03M · loan HK$3.03M · min. income ≈ HK$32,432/mo (50% DSR)
Upfront cash ≈ HK$3.17M (deposit + AVD stamp duty HK$141,484 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,595
−HK$1,041/mo
▼ 0.25% · 3.875%
HK$17,111
−HK$525/mo
Today · 4.125%
HK$17,636
baseline
▲ 0.50% · 4.625%
HK$18,709
+HK$1,073/mo
Deposit HK$2.43M · loan HK$3.64M · min. income ≈ HK$35,272/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$141,484 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,462
−HK$998/mo
▼ 0.25% · 3.875%
HK$18,957
−HK$503/mo
Today · 4.125%
HK$19,460
baseline
▲ 0.50% · 4.625%
HK$20,485
+HK$1,025/mo
Deposit HK$2.43M · loan HK$3.64M · min. income ≈ HK$38,920/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$141,484 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,361
−HK$1,214/mo
▼ 0.25% · 3.875%
HK$19,963
−HK$612/mo
Today · 4.125%
HK$20,575
baseline
▲ 0.50% · 4.625%
HK$21,827
+HK$1,252/mo
Deposit HK$1.82M · loan HK$4.25M · min. income ≈ HK$41,150/mo (50% DSR)
Upfront cash ≈ HK$1.96M (deposit + AVD stamp duty HK$141,484 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,539
−HK$1,164/mo
▼ 0.25% · 3.875%
HK$22,117
−HK$586/mo
Today · 4.125%
HK$22,703
baseline
▲ 0.50% · 4.625%
HK$23,899
+HK$1,196/mo
Deposit HK$1.82M · loan HK$4.25M · min. income ≈ HK$45,406/mo (50% DSR)
Upfront cash ≈ HK$1.96M (deposit + AVD stamp duty HK$141,484 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,893
−HK$1,561/mo
▼ 0.25% · 3.875%
HK$25,667
−HK$787/mo
Today · 4.125%
HK$26,454
baseline
▲ 0.50% · 4.625%
HK$28,064
+HK$1,610/mo
Deposit HK$606K · loan HK$5.46M · min. income ≈ HK$52,908/mo (50% DSR)
Upfront cash ≈ HK$748K (deposit + AVD stamp duty HK$141,484 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,693
−HK$1,496/mo
▼ 0.25% · 3.875%
HK$28,436
−HK$753/mo
Today · 4.125%
HK$29,189
baseline
▲ 0.50% · 4.625%
HK$30,728
+HK$1,539/mo
Deposit HK$606K · loan HK$5.46M · min. income ≈ HK$58,378/mo (50% DSR)
Upfront cash ≈ HK$748K (deposit + AVD stamp duty HK$141,484 · 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).