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$13,861
−HK$870/mo
▼ 0.25% · 3.875%
HK$14,292
−HK$439/mo
Today · 4.125%
HK$14,731
baseline
▲ 0.50% · 4.625%
HK$15,627
+HK$896/mo
Deposit HK$3.04M · loan HK$3.04M · min. income ≈ HK$29,462/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$142,883 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,421
−HK$833/mo
▼ 0.25% · 3.875%
HK$15,834
−HK$420/mo
Today · 4.125%
HK$16,254
baseline
▲ 0.50% · 4.625%
HK$17,110
+HK$856/mo
Deposit HK$3.04M · loan HK$3.04M · min. income ≈ HK$32,508/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$142,883 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,634
−HK$1,043/mo
▼ 0.25% · 3.875%
HK$17,151
−HK$526/mo
Today · 4.125%
HK$17,677
baseline
▲ 0.50% · 4.625%
HK$18,752
+HK$1,075/mo
Deposit HK$2.43M · loan HK$3.65M · min. income ≈ HK$35,354/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$142,883 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,505
−HK$999/mo
▼ 0.25% · 3.875%
HK$19,001
−HK$503/mo
Today · 4.125%
HK$19,504
baseline
▲ 0.50% · 4.625%
HK$20,533
+HK$1,029/mo
Deposit HK$2.43M · loan HK$3.65M · min. income ≈ HK$39,008/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$142,883 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,406
−HK$1,217/mo
▼ 0.25% · 3.875%
HK$20,009
−HK$614/mo
Today · 4.125%
HK$20,623
baseline
▲ 0.50% · 4.625%
HK$21,878
+HK$1,255/mo
Deposit HK$1.82M · loan HK$4.26M · min. income ≈ HK$41,246/mo (50% DSR)
Upfront cash ≈ HK$1.97M (deposit + AVD stamp duty HK$142,883 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,589
−HK$1,166/mo
▼ 0.25% · 3.875%
HK$22,168
−HK$587/mo
Today · 4.125%
HK$22,755
baseline
▲ 0.50% · 4.625%
HK$23,955
+HK$1,200/mo
Deposit HK$1.82M · loan HK$4.26M · min. income ≈ HK$45,510/mo (50% DSR)
Upfront cash ≈ HK$1.97M (deposit + AVD stamp duty HK$142,883 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,950
−HK$1,565/mo
▼ 0.25% · 3.875%
HK$25,726
−HK$789/mo
Today · 4.125%
HK$26,515
baseline
▲ 0.50% · 4.625%
HK$28,128
+HK$1,613/mo
Deposit HK$608K · loan HK$5.47M · min. income ≈ HK$53,030/mo (50% DSR)
Upfront cash ≈ HK$751K (deposit + AVD stamp duty HK$142,883 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,757
−HK$1,500/mo
▼ 0.25% · 3.875%
HK$28,501
−HK$756/mo
Today · 4.125%
HK$29,257
baseline
▲ 0.50% · 4.625%
HK$30,799
+HK$1,542/mo
Deposit HK$608K · loan HK$5.47M · min. income ≈ HK$58,514/mo (50% DSR)
Upfront cash ≈ HK$751K (deposit + AVD stamp duty HK$142,883 · 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).