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$13,830
−HK$868/mo
▼ 0.25% · 3.875%
HK$14,261
−HK$437/mo
Today · 4.125%
HK$14,698
baseline
▲ 0.50% · 4.625%
HK$15,592
+HK$894/mo
Deposit HK$3.03M · loan HK$3.03M · min. income ≈ HK$29,396/mo (50% DSR)
Upfront cash ≈ HK$3.17M (deposit + AVD stamp duty HK$141,525 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,386
−HK$831/mo
▼ 0.25% · 3.875%
HK$15,799
−HK$418/mo
Today · 4.125%
HK$16,217
baseline
▲ 0.50% · 4.625%
HK$17,072
+HK$855/mo
Deposit HK$3.03M · loan HK$3.03M · min. income ≈ HK$32,434/mo (50% DSR)
Upfront cash ≈ HK$3.17M (deposit + AVD stamp duty HK$141,525 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,596
−HK$1,041/mo
▼ 0.25% · 3.875%
HK$17,113
−HK$524/mo
Today · 4.125%
HK$17,637
baseline
▲ 0.50% · 4.625%
HK$18,710
+HK$1,073/mo
Deposit HK$2.43M · loan HK$3.64M · min. income ≈ HK$35,274/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$141,525 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,463
−HK$998/mo
▼ 0.25% · 3.875%
HK$18,958
−HK$503/mo
Today · 4.125%
HK$19,461
baseline
▲ 0.50% · 4.625%
HK$20,487
+HK$1,026/mo
Deposit HK$2.43M · loan HK$3.64M · min. income ≈ HK$38,922/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$141,525 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,362
−HK$1,215/mo
▼ 0.25% · 3.875%
HK$19,965
−HK$612/mo
Today · 4.125%
HK$20,577
baseline
▲ 0.50% · 4.625%
HK$21,829
+HK$1,252/mo
Deposit HK$1.82M · loan HK$4.25M · min. income ≈ HK$41,154/mo (50% DSR)
Upfront cash ≈ HK$1.96M (deposit + AVD stamp duty HK$141,525 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,541
−HK$1,163/mo
▼ 0.25% · 3.875%
HK$22,118
−HK$586/mo
Today · 4.125%
HK$22,704
baseline
▲ 0.50% · 4.625%
HK$23,901
+HK$1,197/mo
Deposit HK$1.82M · loan HK$4.25M · min. income ≈ HK$45,408/mo (50% DSR)
Upfront cash ≈ HK$1.96M (deposit + AVD stamp duty HK$141,525 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,895
−HK$1,561/mo
▼ 0.25% · 3.875%
HK$25,669
−HK$787/mo
Today · 4.125%
HK$26,456
baseline
▲ 0.50% · 4.625%
HK$28,065
+HK$1,609/mo
Deposit HK$607K · loan HK$5.46M · min. income ≈ HK$52,912/mo (50% DSR)
Upfront cash ≈ HK$748K (deposit + AVD stamp duty HK$141,525 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,695
−HK$1,496/mo
▼ 0.25% · 3.875%
HK$28,438
−HK$753/mo
Today · 4.125%
HK$29,191
baseline
▲ 0.50% · 4.625%
HK$30,730
+HK$1,539/mo
Deposit HK$607K · loan HK$5.46M · min. income ≈ HK$58,382/mo (50% DSR)
Upfront cash ≈ HK$748K (deposit + AVD stamp duty HK$141,525 · 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).