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$13,883
−HK$871/mo
▼ 0.25% · 3.875%
HK$14,315
−HK$439/mo
Today · 4.125%
HK$14,754
baseline
▲ 0.50% · 4.625%
HK$15,652
+HK$898/mo
Deposit HK$3.04M · loan HK$3.04M · min. income ≈ HK$29,508/mo (50% DSR)
Upfront cash ≈ HK$3.19M (deposit + AVD stamp duty HK$143,844 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,445
−HK$834/mo
▼ 0.25% · 3.875%
HK$15,859
−HK$420/mo
Today · 4.125%
HK$16,279
baseline
▲ 0.50% · 4.625%
HK$17,137
+HK$858/mo
Deposit HK$3.04M · loan HK$3.04M · min. income ≈ HK$32,558/mo (50% DSR)
Upfront cash ≈ HK$3.19M (deposit + AVD stamp duty HK$143,844 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,660
−HK$1,045/mo
▼ 0.25% · 3.875%
HK$17,178
−HK$527/mo
Today · 4.125%
HK$17,705
baseline
▲ 0.50% · 4.625%
HK$18,782
+HK$1,077/mo
Deposit HK$2.44M · loan HK$3.65M · min. income ≈ HK$35,410/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$143,844 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,534
−HK$1,001/mo
▼ 0.25% · 3.875%
HK$19,031
−HK$504/mo
Today · 4.125%
HK$19,535
baseline
▲ 0.50% · 4.625%
HK$20,565
+HK$1,030/mo
Deposit HK$2.44M · loan HK$3.65M · min. income ≈ HK$39,070/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$143,844 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,436
−HK$1,219/mo
▼ 0.25% · 3.875%
HK$20,041
−HK$614/mo
Today · 4.125%
HK$20,655
baseline
▲ 0.50% · 4.625%
HK$21,912
+HK$1,257/mo
Deposit HK$1.83M · loan HK$4.26M · min. income ≈ HK$41,310/mo (50% DSR)
Upfront cash ≈ HK$1.97M (deposit + AVD stamp duty HK$143,844 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,623
−HK$1,168/mo
▼ 0.25% · 3.875%
HK$22,203
−HK$588/mo
Today · 4.125%
HK$22,791
baseline
▲ 0.50% · 4.625%
HK$23,992
+HK$1,201/mo
Deposit HK$1.83M · loan HK$4.26M · min. income ≈ HK$45,582/mo (50% DSR)
Upfront cash ≈ HK$1.97M (deposit + AVD stamp duty HK$143,844 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,990
−HK$1,567/mo
▼ 0.25% · 3.875%
HK$25,767
−HK$790/mo
Today · 4.125%
HK$26,557
baseline
▲ 0.50% · 4.625%
HK$28,173
+HK$1,616/mo
Deposit HK$609K · loan HK$5.48M · min. income ≈ HK$53,114/mo (50% DSR)
Upfront cash ≈ HK$753K (deposit + AVD stamp duty HK$143,844 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,801
−HK$1,502/mo
▼ 0.25% · 3.875%
HK$28,546
−HK$757/mo
Today · 4.125%
HK$29,303
baseline
▲ 0.50% · 4.625%
HK$30,847
+HK$1,544/mo
Deposit HK$609K · loan HK$5.48M · min. income ≈ HK$58,606/mo (50% DSR)
Upfront cash ≈ HK$753K (deposit + AVD stamp duty HK$143,844 · 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).