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$13,840
−HK$868/mo
▼ 0.25% · 3.875%
HK$14,270
−HK$438/mo
Today · 4.125%
HK$14,708
baseline
▲ 0.50% · 4.625%
HK$15,603
+HK$895/mo
Deposit HK$3.03M · loan HK$3.03M · min. income ≈ HK$29,416/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$141,942 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,397
−HK$832/mo
▼ 0.25% · 3.875%
HK$15,810
−HK$419/mo
Today · 4.125%
HK$16,229
baseline
▲ 0.50% · 4.625%
HK$17,084
+HK$855/mo
Deposit HK$3.03M · loan HK$3.03M · min. income ≈ HK$32,458/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$141,942 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,608
−HK$1,041/mo
▼ 0.25% · 3.875%
HK$17,124
−HK$525/mo
Today · 4.125%
HK$17,649
baseline
▲ 0.50% · 4.625%
HK$18,723
+HK$1,074/mo
Deposit HK$2.43M · loan HK$3.64M · min. income ≈ HK$35,298/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$141,942 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,476
−HK$998/mo
▼ 0.25% · 3.875%
HK$18,972
−HK$502/mo
Today · 4.125%
HK$19,474
baseline
▲ 0.50% · 4.625%
HK$20,501
+HK$1,027/mo
Deposit HK$2.43M · loan HK$3.64M · min. income ≈ HK$38,948/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$141,942 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,376
−HK$1,215/mo
▼ 0.25% · 3.875%
HK$19,978
−HK$613/mo
Today · 4.125%
HK$20,591
baseline
▲ 0.50% · 4.625%
HK$21,844
+HK$1,253/mo
Deposit HK$1.82M · loan HK$4.25M · min. income ≈ HK$41,182/mo (50% DSR)
Upfront cash ≈ HK$1.96M (deposit + AVD stamp duty HK$141,942 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,555
−HK$1,165/mo
▼ 0.25% · 3.875%
HK$22,133
−HK$587/mo
Today · 4.125%
HK$22,720
baseline
▲ 0.50% · 4.625%
HK$23,918
+HK$1,198/mo
Deposit HK$1.82M · loan HK$4.25M · min. income ≈ HK$45,440/mo (50% DSR)
Upfront cash ≈ HK$1.96M (deposit + AVD stamp duty HK$141,942 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,912
−HK$1,562/mo
▼ 0.25% · 3.875%
HK$25,687
−HK$787/mo
Today · 4.125%
HK$26,474
baseline
▲ 0.50% · 4.625%
HK$28,085
+HK$1,611/mo
Deposit HK$607K · loan HK$5.46M · min. income ≈ HK$52,948/mo (50% DSR)
Upfront cash ≈ HK$749K (deposit + AVD stamp duty HK$141,942 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,714
−HK$1,497/mo
▼ 0.25% · 3.875%
HK$28,457
−HK$754/mo
Today · 4.125%
HK$29,211
baseline
▲ 0.50% · 4.625%
HK$30,751
+HK$1,540/mo
Deposit HK$607K · loan HK$5.46M · min. income ≈ HK$58,422/mo (50% DSR)
Upfront cash ≈ HK$749K (deposit + AVD stamp duty HK$141,942 · 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).