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$13,897
−HK$871/mo
▼ 0.25% · 3.875%
HK$14,329
−HK$439/mo
Today · 4.125%
HK$14,768
baseline
▲ 0.50% · 4.625%
HK$15,667
+HK$899/mo
Deposit HK$3.05M · loan HK$3.05M · min. income ≈ HK$29,536/mo (50% DSR)
Upfront cash ≈ HK$3.19M (deposit + AVD stamp duty HK$144,433 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,460
−HK$835/mo
▼ 0.25% · 3.875%
HK$15,874
−HK$421/mo
Today · 4.125%
HK$16,295
baseline
▲ 0.50% · 4.625%
HK$17,154
+HK$859/mo
Deposit HK$3.05M · loan HK$3.05M · min. income ≈ HK$32,590/mo (50% DSR)
Upfront cash ≈ HK$3.19M (deposit + AVD stamp duty HK$144,433 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,676
−HK$1,046/mo
▼ 0.25% · 3.875%
HK$17,195
−HK$527/mo
Today · 4.125%
HK$17,722
baseline
▲ 0.50% · 4.625%
HK$18,800
+HK$1,078/mo
Deposit HK$2.44M · loan HK$3.66M · min. income ≈ HK$35,444/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$144,433 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,552
−HK$1,002/mo
▼ 0.25% · 3.875%
HK$19,049
−HK$505/mo
Today · 4.125%
HK$19,554
baseline
▲ 0.50% · 4.625%
HK$20,585
+HK$1,031/mo
Deposit HK$2.44M · loan HK$3.66M · min. income ≈ HK$39,108/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$144,433 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,455
−HK$1,220/mo
▼ 0.25% · 3.875%
HK$20,060
−HK$615/mo
Today · 4.125%
HK$20,675
baseline
▲ 0.50% · 4.625%
HK$21,933
+HK$1,258/mo
Deposit HK$1.83M · loan HK$4.27M · min. income ≈ HK$41,350/mo (50% DSR)
Upfront cash ≈ HK$1.97M (deposit + AVD stamp duty HK$144,433 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,644
−HK$1,169/mo
▼ 0.25% · 3.875%
HK$22,224
−HK$589/mo
Today · 4.125%
HK$22,813
baseline
▲ 0.50% · 4.625%
HK$24,016
+HK$1,203/mo
Deposit HK$1.83M · loan HK$4.27M · min. income ≈ HK$45,626/mo (50% DSR)
Upfront cash ≈ HK$1.97M (deposit + AVD stamp duty HK$144,433 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,014
−HK$1,569/mo
▼ 0.25% · 3.875%
HK$25,792
−HK$791/mo
Today · 4.125%
HK$26,583
baseline
▲ 0.50% · 4.625%
HK$28,200
+HK$1,617/mo
Deposit HK$609K · loan HK$5.48M · min. income ≈ HK$53,166/mo (50% DSR)
Upfront cash ≈ HK$754K (deposit + AVD stamp duty HK$144,433 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,828
−HK$1,503/mo
▼ 0.25% · 3.875%
HK$28,574
−HK$757/mo
Today · 4.125%
HK$29,331
baseline
▲ 0.50% · 4.625%
HK$30,877
+HK$1,546/mo
Deposit HK$609K · loan HK$5.48M · min. income ≈ HK$58,662/mo (50% DSR)
Upfront cash ≈ HK$754K (deposit + AVD stamp duty HK$144,433 · 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).