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$13,882
−HK$871/mo
▼ 0.25% · 3.875%
HK$14,314
−HK$439/mo
Today · 4.125%
HK$14,753
baseline
▲ 0.50% · 4.625%
HK$15,650
+HK$897/mo
Deposit HK$3.04M · loan HK$3.04M · min. income ≈ HK$29,506/mo (50% DSR)
Upfront cash ≈ HK$3.19M (deposit + AVD stamp duty HK$143,800 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,444
−HK$834/mo
▼ 0.25% · 3.875%
HK$15,858
−HK$420/mo
Today · 4.125%
HK$16,278
baseline
▲ 0.50% · 4.625%
HK$17,136
+HK$858/mo
Deposit HK$3.04M · loan HK$3.04M · min. income ≈ HK$32,556/mo (50% DSR)
Upfront cash ≈ HK$3.19M (deposit + AVD stamp duty HK$143,800 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,659
−HK$1,044/mo
▼ 0.25% · 3.875%
HK$17,177
−HK$526/mo
Today · 4.125%
HK$17,703
baseline
▲ 0.50% · 4.625%
HK$18,780
+HK$1,077/mo
Deposit HK$2.44M · loan HK$3.65M · min. income ≈ HK$35,406/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$143,800 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,533
−HK$1,001/mo
▼ 0.25% · 3.875%
HK$19,030
−HK$504/mo
Today · 4.125%
HK$19,534
baseline
▲ 0.50% · 4.625%
HK$20,563
+HK$1,029/mo
Deposit HK$2.44M · loan HK$3.65M · min. income ≈ HK$39,068/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$143,800 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,435
−HK$1,219/mo
▼ 0.25% · 3.875%
HK$20,040
−HK$614/mo
Today · 4.125%
HK$20,654
baseline
▲ 0.50% · 4.625%
HK$21,911
+HK$1,257/mo
Deposit HK$1.83M · loan HK$4.26M · min. income ≈ HK$41,308/mo (50% DSR)
Upfront cash ≈ HK$1.97M (deposit + AVD stamp duty HK$143,800 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,621
−HK$1,168/mo
▼ 0.25% · 3.875%
HK$22,201
−HK$588/mo
Today · 4.125%
HK$22,789
baseline
▲ 0.50% · 4.625%
HK$23,991
+HK$1,202/mo
Deposit HK$1.83M · loan HK$4.26M · min. income ≈ HK$45,578/mo (50% DSR)
Upfront cash ≈ HK$1.97M (deposit + AVD stamp duty HK$143,800 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,988
−HK$1,567/mo
▼ 0.25% · 3.875%
HK$25,765
−HK$790/mo
Today · 4.125%
HK$26,555
baseline
▲ 0.50% · 4.625%
HK$28,171
+HK$1,616/mo
Deposit HK$609K · loan HK$5.48M · min. income ≈ HK$53,110/mo (50% DSR)
Upfront cash ≈ HK$753K (deposit + AVD stamp duty HK$143,800 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,799
−HK$1,502/mo
▼ 0.25% · 3.875%
HK$28,544
−HK$757/mo
Today · 4.125%
HK$29,301
baseline
▲ 0.50% · 4.625%
HK$30,845
+HK$1,544/mo
Deposit HK$609K · loan HK$5.48M · min. income ≈ HK$58,602/mo (50% DSR)
Upfront cash ≈ HK$753K (deposit + AVD stamp duty HK$143,800 · 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).