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$13,849
−HK$868/mo
▼ 0.25% · 3.875%
HK$14,279
−HK$438/mo
Today · 4.125%
HK$14,717
baseline
▲ 0.50% · 4.625%
HK$15,612
+HK$895/mo
Deposit HK$3.04M · loan HK$3.04M · min. income ≈ HK$29,434/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$142,325 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,406
−HK$833/mo
▼ 0.25% · 3.875%
HK$15,820
−HK$419/mo
Today · 4.125%
HK$16,239
baseline
▲ 0.50% · 4.625%
HK$17,095
+HK$856/mo
Deposit HK$3.04M · loan HK$3.04M · min. income ≈ HK$32,478/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$142,325 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,618
−HK$1,042/mo
▼ 0.25% · 3.875%
HK$17,135
−HK$525/mo
Today · 4.125%
HK$17,660
baseline
▲ 0.50% · 4.625%
HK$18,735
+HK$1,075/mo
Deposit HK$2.43M · loan HK$3.64M · min. income ≈ HK$35,320/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$142,325 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,488
−HK$998/mo
▼ 0.25% · 3.875%
HK$18,983
−HK$503/mo
Today · 4.125%
HK$19,486
baseline
▲ 0.50% · 4.625%
HK$20,514
+HK$1,028/mo
Deposit HK$2.43M · loan HK$3.64M · min. income ≈ HK$38,972/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$142,325 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,388
−HK$1,216/mo
▼ 0.25% · 3.875%
HK$19,991
−HK$613/mo
Today · 4.125%
HK$20,604
baseline
▲ 0.50% · 4.625%
HK$21,857
+HK$1,253/mo
Deposit HK$1.82M · loan HK$4.25M · min. income ≈ HK$41,208/mo (50% DSR)
Upfront cash ≈ HK$1.96M (deposit + AVD stamp duty HK$142,325 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,569
−HK$1,165/mo
▼ 0.25% · 3.875%
HK$22,147
−HK$587/mo
Today · 4.125%
HK$22,734
baseline
▲ 0.50% · 4.625%
HK$23,933
+HK$1,199/mo
Deposit HK$1.82M · loan HK$4.25M · min. income ≈ HK$45,468/mo (50% DSR)
Upfront cash ≈ HK$1.96M (deposit + AVD stamp duty HK$142,325 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,927
−HK$1,564/mo
▼ 0.25% · 3.875%
HK$25,703
−HK$788/mo
Today · 4.125%
HK$26,491
baseline
▲ 0.50% · 4.625%
HK$28,102
+HK$1,611/mo
Deposit HK$607K · loan HK$5.47M · min. income ≈ HK$52,982/mo (50% DSR)
Upfront cash ≈ HK$750K (deposit + AVD stamp duty HK$142,325 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,731
−HK$1,499/mo
▼ 0.25% · 3.875%
HK$28,475
−HK$755/mo
Today · 4.125%
HK$29,230
baseline
▲ 0.50% · 4.625%
HK$30,770
+HK$1,540/mo
Deposit HK$607K · loan HK$5.47M · min. income ≈ HK$58,460/mo (50% DSR)
Upfront cash ≈ HK$750K (deposit + AVD stamp duty HK$142,325 · 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).