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$13,837
−HK$868/mo
▼ 0.25% · 3.875%
HK$14,268
−HK$437/mo
Today · 4.125%
HK$14,705
baseline
▲ 0.50% · 4.625%
HK$15,600
+HK$895/mo
Deposit HK$3.03M · loan HK$3.03M · min. income ≈ HK$29,410/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$141,834 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,394
−HK$832/mo
▼ 0.25% · 3.875%
HK$15,807
−HK$419/mo
Today · 4.125%
HK$16,226
baseline
▲ 0.50% · 4.625%
HK$17,081
+HK$855/mo
Deposit HK$3.03M · loan HK$3.03M · min. income ≈ HK$32,452/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$141,834 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,605
−HK$1,041/mo
▼ 0.25% · 3.875%
HK$17,121
−HK$525/mo
Today · 4.125%
HK$17,646
baseline
▲ 0.50% · 4.625%
HK$18,720
+HK$1,074/mo
Deposit HK$2.43M · loan HK$3.64M · min. income ≈ HK$35,292/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$141,834 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,473
−HK$998/mo
▼ 0.25% · 3.875%
HK$18,968
−HK$503/mo
Today · 4.125%
HK$19,471
baseline
▲ 0.50% · 4.625%
HK$20,497
+HK$1,026/mo
Deposit HK$2.43M · loan HK$3.64M · min. income ≈ HK$38,942/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$141,834 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,372
−HK$1,215/mo
▼ 0.25% · 3.875%
HK$19,975
−HK$612/mo
Today · 4.125%
HK$20,587
baseline
▲ 0.50% · 4.625%
HK$21,840
+HK$1,253/mo
Deposit HK$1.82M · loan HK$4.25M · min. income ≈ HK$41,174/mo (50% DSR)
Upfront cash ≈ HK$1.96M (deposit + AVD stamp duty HK$141,834 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,552
−HK$1,164/mo
▼ 0.25% · 3.875%
HK$22,130
−HK$586/mo
Today · 4.125%
HK$22,716
baseline
▲ 0.50% · 4.625%
HK$23,913
+HK$1,197/mo
Deposit HK$1.82M · loan HK$4.25M · min. income ≈ HK$45,432/mo (50% DSR)
Upfront cash ≈ HK$1.96M (deposit + AVD stamp duty HK$141,834 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,907
−HK$1,562/mo
▼ 0.25% · 3.875%
HK$25,682
−HK$787/mo
Today · 4.125%
HK$26,469
baseline
▲ 0.50% · 4.625%
HK$28,080
+HK$1,611/mo
Deposit HK$607K · loan HK$5.46M · min. income ≈ HK$52,938/mo (50% DSR)
Upfront cash ≈ HK$749K (deposit + AVD stamp duty HK$141,834 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,709
−HK$1,497/mo
▼ 0.25% · 3.875%
HK$28,452
−HK$754/mo
Today · 4.125%
HK$29,206
baseline
▲ 0.50% · 4.625%
HK$30,746
+HK$1,540/mo
Deposit HK$607K · loan HK$5.46M · min. income ≈ HK$58,412/mo (50% DSR)
Upfront cash ≈ HK$749K (deposit + AVD stamp duty HK$141,834 · 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).