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$13,890
−HK$871/mo
▼ 0.25% · 3.875%
HK$14,322
−HK$439/mo
Today · 4.125%
HK$14,761
baseline
▲ 0.50% · 4.625%
HK$15,659
+HK$898/mo
Deposit HK$3.05M · loan HK$3.05M · min. income ≈ HK$29,522/mo (50% DSR)
Upfront cash ≈ HK$3.19M (deposit + AVD stamp duty HK$144,151 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,453
−HK$835/mo
▼ 0.25% · 3.875%
HK$15,867
−HK$421/mo
Today · 4.125%
HK$16,288
baseline
▲ 0.50% · 4.625%
HK$17,146
+HK$858/mo
Deposit HK$3.05M · loan HK$3.05M · min. income ≈ HK$32,576/mo (50% DSR)
Upfront cash ≈ HK$3.19M (deposit + AVD stamp duty HK$144,151 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,668
−HK$1,045/mo
▼ 0.25% · 3.875%
HK$17,187
−HK$526/mo
Today · 4.125%
HK$17,713
baseline
▲ 0.50% · 4.625%
HK$18,791
+HK$1,078/mo
Deposit HK$2.44M · loan HK$3.65M · min. income ≈ HK$35,426/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$144,151 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,543
−HK$1,002/mo
▼ 0.25% · 3.875%
HK$19,041
−HK$504/mo
Today · 4.125%
HK$19,545
baseline
▲ 0.50% · 4.625%
HK$20,575
+HK$1,030/mo
Deposit HK$2.44M · loan HK$3.65M · min. income ≈ HK$39,090/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$144,151 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,446
−HK$1,220/mo
▼ 0.25% · 3.875%
HK$20,051
−HK$615/mo
Today · 4.125%
HK$20,666
baseline
▲ 0.50% · 4.625%
HK$21,923
+HK$1,257/mo
Deposit HK$1.83M · loan HK$4.26M · min. income ≈ HK$41,332/mo (50% DSR)
Upfront cash ≈ HK$1.97M (deposit + AVD stamp duty HK$144,151 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,634
−HK$1,169/mo
▼ 0.25% · 3.875%
HK$22,214
−HK$589/mo
Today · 4.125%
HK$22,803
baseline
▲ 0.50% · 4.625%
HK$24,005
+HK$1,202/mo
Deposit HK$1.83M · loan HK$4.26M · min. income ≈ HK$45,606/mo (50% DSR)
Upfront cash ≈ HK$1.97M (deposit + AVD stamp duty HK$144,151 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,002
−HK$1,568/mo
▼ 0.25% · 3.875%
HK$25,780
−HK$790/mo
Today · 4.125%
HK$26,570
baseline
▲ 0.50% · 4.625%
HK$28,187
+HK$1,617/mo
Deposit HK$609K · loan HK$5.48M · min. income ≈ HK$53,140/mo (50% DSR)
Upfront cash ≈ HK$753K (deposit + AVD stamp duty HK$144,151 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,815
−HK$1,503/mo
▼ 0.25% · 3.875%
HK$28,561
−HK$757/mo
Today · 4.125%
HK$29,318
baseline
▲ 0.50% · 4.625%
HK$30,863
+HK$1,545/mo
Deposit HK$609K · loan HK$5.48M · min. income ≈ HK$58,636/mo (50% DSR)
Upfront cash ≈ HK$753K (deposit + AVD stamp duty HK$144,151 · 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).