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$13,858
−HK$868/mo
▼ 0.25% · 3.875%
HK$14,289
−HK$437/mo
Today · 4.125%
HK$14,726
baseline
▲ 0.50% · 4.625%
HK$15,623
+HK$897/mo
Deposit HK$3.04M · loan HK$3.04M · min. income ≈ HK$29,452/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$142,717 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,416
−HK$833/mo
▼ 0.25% · 3.875%
HK$15,830
−HK$419/mo
Today · 4.125%
HK$16,249
baseline
▲ 0.50% · 4.625%
HK$17,106
+HK$857/mo
Deposit HK$3.04M · loan HK$3.04M · min. income ≈ HK$32,498/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$142,717 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,629
−HK$1,043/mo
▼ 0.25% · 3.875%
HK$17,146
−HK$526/mo
Today · 4.125%
HK$17,672
baseline
▲ 0.50% · 4.625%
HK$18,747
+HK$1,075/mo
Deposit HK$2.43M · loan HK$3.65M · min. income ≈ HK$35,344/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$142,717 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,500
−HK$999/mo
▼ 0.25% · 3.875%
HK$18,996
−HK$503/mo
Today · 4.125%
HK$19,499
baseline
▲ 0.50% · 4.625%
HK$20,527
+HK$1,028/mo
Deposit HK$2.43M · loan HK$3.65M · min. income ≈ HK$38,998/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$142,717 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,401
−HK$1,216/mo
▼ 0.25% · 3.875%
HK$20,004
−HK$613/mo
Today · 4.125%
HK$20,617
baseline
▲ 0.50% · 4.625%
HK$21,872
+HK$1,255/mo
Deposit HK$1.82M · loan HK$4.25M · min. income ≈ HK$41,234/mo (50% DSR)
Upfront cash ≈ HK$1.97M (deposit + AVD stamp duty HK$142,717 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,583
−HK$1,166/mo
▼ 0.25% · 3.875%
HK$22,162
−HK$587/mo
Today · 4.125%
HK$22,749
baseline
▲ 0.50% · 4.625%
HK$23,948
+HK$1,199/mo
Deposit HK$1.82M · loan HK$4.25M · min. income ≈ HK$45,498/mo (50% DSR)
Upfront cash ≈ HK$1.97M (deposit + AVD stamp duty HK$142,717 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,944
−HK$1,564/mo
▼ 0.25% · 3.875%
HK$25,719
−HK$789/mo
Today · 4.125%
HK$26,508
baseline
▲ 0.50% · 4.625%
HK$28,121
+HK$1,613/mo
Deposit HK$608K · loan HK$5.47M · min. income ≈ HK$53,016/mo (50% DSR)
Upfront cash ≈ HK$750K (deposit + AVD stamp duty HK$142,717 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,749
−HK$1,500/mo
▼ 0.25% · 3.875%
HK$28,494
−HK$755/mo
Today · 4.125%
HK$29,249
baseline
▲ 0.50% · 4.625%
HK$30,790
+HK$1,541/mo
Deposit HK$608K · loan HK$5.47M · min. income ≈ HK$58,498/mo (50% DSR)
Upfront cash ≈ HK$750K (deposit + AVD stamp duty HK$142,717 · 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).