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$13,855
−HK$869/mo
▼ 0.25% · 3.875%
HK$14,286
−HK$438/mo
Today · 4.125%
HK$14,724
baseline
▲ 0.50% · 4.625%
HK$15,620
+HK$896/mo
Deposit HK$3.04M · loan HK$3.04M · min. income ≈ HK$29,448/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$142,624 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,414
−HK$833/mo
▼ 0.25% · 3.875%
HK$15,827
−HK$420/mo
Today · 4.125%
HK$16,247
baseline
▲ 0.50% · 4.625%
HK$17,103
+HK$856/mo
Deposit HK$3.04M · loan HK$3.04M · min. income ≈ HK$32,494/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$142,624 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,626
−HK$1,043/mo
▼ 0.25% · 3.875%
HK$17,144
−HK$525/mo
Today · 4.125%
HK$17,669
baseline
▲ 0.50% · 4.625%
HK$18,744
+HK$1,075/mo
Deposit HK$2.43M · loan HK$3.65M · min. income ≈ HK$35,338/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$142,624 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,497
−HK$999/mo
▼ 0.25% · 3.875%
HK$18,993
−HK$503/mo
Today · 4.125%
HK$19,496
baseline
▲ 0.50% · 4.625%
HK$20,524
+HK$1,028/mo
Deposit HK$2.43M · loan HK$3.65M · min. income ≈ HK$38,992/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$142,624 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,398
−HK$1,216/mo
▼ 0.25% · 3.875%
HK$20,001
−HK$613/mo
Today · 4.125%
HK$20,614
baseline
▲ 0.50% · 4.625%
HK$21,868
+HK$1,254/mo
Deposit HK$1.82M · loan HK$4.25M · min. income ≈ HK$41,228/mo (50% DSR)
Upfront cash ≈ HK$1.97M (deposit + AVD stamp duty HK$142,624 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,580
−HK$1,165/mo
▼ 0.25% · 3.875%
HK$22,158
−HK$587/mo
Today · 4.125%
HK$22,745
baseline
▲ 0.50% · 4.625%
HK$23,944
+HK$1,199/mo
Deposit HK$1.82M · loan HK$4.25M · min. income ≈ HK$45,490/mo (50% DSR)
Upfront cash ≈ HK$1.97M (deposit + AVD stamp duty HK$142,624 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,940
−HK$1,564/mo
▼ 0.25% · 3.875%
HK$25,715
−HK$789/mo
Today · 4.125%
HK$26,504
baseline
▲ 0.50% · 4.625%
HK$28,116
+HK$1,612/mo
Deposit HK$608K · loan HK$5.47M · min. income ≈ HK$53,008/mo (50% DSR)
Upfront cash ≈ HK$750K (deposit + AVD stamp duty HK$142,624 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,745
−HK$1,499/mo
▼ 0.25% · 3.875%
HK$28,489
−HK$755/mo
Today · 4.125%
HK$29,244
baseline
▲ 0.50% · 4.625%
HK$30,786
+HK$1,542/mo
Deposit HK$608K · loan HK$5.47M · min. income ≈ HK$58,488/mo (50% DSR)
Upfront cash ≈ HK$750K (deposit + AVD stamp duty HK$142,624 · 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).