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$13,828
−HK$868/mo
▼ 0.25% · 3.875%
HK$14,259
−HK$437/mo
Today · 4.125%
HK$14,696
baseline
▲ 0.50% · 4.625%
HK$15,590
+HK$894/mo
Deposit HK$3.03M · loan HK$3.03M · min. income ≈ HK$29,392/mo (50% DSR)
Upfront cash ≈ HK$3.17M (deposit + AVD stamp duty HK$141,444 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,384
−HK$831/mo
▼ 0.25% · 3.875%
HK$15,797
−HK$418/mo
Today · 4.125%
HK$16,215
baseline
▲ 0.50% · 4.625%
HK$17,070
+HK$855/mo
Deposit HK$3.03M · loan HK$3.03M · min. income ≈ HK$32,430/mo (50% DSR)
Upfront cash ≈ HK$3.17M (deposit + AVD stamp duty HK$141,444 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,594
−HK$1,041/mo
▼ 0.25% · 3.875%
HK$17,110
−HK$525/mo
Today · 4.125%
HK$17,635
baseline
▲ 0.50% · 4.625%
HK$18,708
+HK$1,073/mo
Deposit HK$2.43M · loan HK$3.64M · min. income ≈ HK$35,270/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$141,444 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,461
−HK$997/mo
▼ 0.25% · 3.875%
HK$18,956
−HK$502/mo
Today · 4.125%
HK$19,458
baseline
▲ 0.50% · 4.625%
HK$20,484
+HK$1,026/mo
Deposit HK$2.43M · loan HK$3.64M · min. income ≈ HK$38,916/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$141,444 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,360
−HK$1,214/mo
▼ 0.25% · 3.875%
HK$19,962
−HK$612/mo
Today · 4.125%
HK$20,574
baseline
▲ 0.50% · 4.625%
HK$21,826
+HK$1,252/mo
Deposit HK$1.82M · loan HK$4.25M · min. income ≈ HK$41,148/mo (50% DSR)
Upfront cash ≈ HK$1.96M (deposit + AVD stamp duty HK$141,444 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,538
−HK$1,163/mo
▼ 0.25% · 3.875%
HK$22,115
−HK$586/mo
Today · 4.125%
HK$22,701
baseline
▲ 0.50% · 4.625%
HK$23,898
+HK$1,197/mo
Deposit HK$1.82M · loan HK$4.25M · min. income ≈ HK$45,402/mo (50% DSR)
Upfront cash ≈ HK$1.96M (deposit + AVD stamp duty HK$141,444 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,891
−HK$1,561/mo
▼ 0.25% · 3.875%
HK$25,666
−HK$786/mo
Today · 4.125%
HK$26,452
baseline
▲ 0.50% · 4.625%
HK$28,062
+HK$1,610/mo
Deposit HK$606K · loan HK$5.46M · min. income ≈ HK$52,904/mo (50% DSR)
Upfront cash ≈ HK$748K (deposit + AVD stamp duty HK$141,444 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,691
−HK$1,496/mo
▼ 0.25% · 3.875%
HK$28,434
−HK$753/mo
Today · 4.125%
HK$29,187
baseline
▲ 0.50% · 4.625%
HK$30,726
+HK$1,539/mo
Deposit HK$606K · loan HK$5.46M · min. income ≈ HK$58,374/mo (50% DSR)
Upfront cash ≈ HK$748K (deposit + AVD stamp duty HK$141,444 · 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).