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$13,846
−HK$868/mo
▼ 0.25% · 3.875%
HK$14,277
−HK$437/mo
Today · 4.125%
HK$14,714
baseline
▲ 0.50% · 4.625%
HK$15,610
+HK$896/mo
Deposit HK$3.04M · loan HK$3.04M · min. income ≈ HK$29,428/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$142,214 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,404
−HK$832/mo
▼ 0.25% · 3.875%
HK$15,817
−HK$419/mo
Today · 4.125%
HK$16,236
baseline
▲ 0.50% · 4.625%
HK$17,092
+HK$856/mo
Deposit HK$3.04M · loan HK$3.04M · min. income ≈ HK$32,472/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$142,214 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,615
−HK$1,042/mo
▼ 0.25% · 3.875%
HK$17,132
−HK$525/mo
Today · 4.125%
HK$17,657
baseline
▲ 0.50% · 4.625%
HK$18,732
+HK$1,075/mo
Deposit HK$2.43M · loan HK$3.64M · min. income ≈ HK$35,314/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$142,214 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,484
−HK$999/mo
▼ 0.25% · 3.875%
HK$18,980
−HK$503/mo
Today · 4.125%
HK$19,483
baseline
▲ 0.50% · 4.625%
HK$20,510
+HK$1,027/mo
Deposit HK$2.43M · loan HK$3.64M · min. income ≈ HK$38,966/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$142,214 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,384
−HK$1,216/mo
▼ 0.25% · 3.875%
HK$19,987
−HK$613/mo
Today · 4.125%
HK$20,600
baseline
▲ 0.50% · 4.625%
HK$21,853
+HK$1,253/mo
Deposit HK$1.82M · loan HK$4.25M · min. income ≈ HK$41,200/mo (50% DSR)
Upfront cash ≈ HK$1.96M (deposit + AVD stamp duty HK$142,214 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,565
−HK$1,165/mo
▼ 0.25% · 3.875%
HK$22,143
−HK$587/mo
Today · 4.125%
HK$22,730
baseline
▲ 0.50% · 4.625%
HK$23,928
+HK$1,198/mo
Deposit HK$1.82M · loan HK$4.25M · min. income ≈ HK$45,460/mo (50% DSR)
Upfront cash ≈ HK$1.96M (deposit + AVD stamp duty HK$142,214 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,923
−HK$1,563/mo
▼ 0.25% · 3.875%
HK$25,698
−HK$788/mo
Today · 4.125%
HK$26,486
baseline
▲ 0.50% · 4.625%
HK$28,097
+HK$1,611/mo
Deposit HK$607K · loan HK$5.46M · min. income ≈ HK$52,972/mo (50% DSR)
Upfront cash ≈ HK$749K (deposit + AVD stamp duty HK$142,214 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,726
−HK$1,498/mo
▼ 0.25% · 3.875%
HK$28,470
−HK$754/mo
Today · 4.125%
HK$29,224
baseline
▲ 0.50% · 4.625%
HK$30,765
+HK$1,541/mo
Deposit HK$607K · loan HK$5.46M · min. income ≈ HK$58,448/mo (50% DSR)
Upfront cash ≈ HK$749K (deposit + AVD stamp duty HK$142,214 · 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).