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$13,863
−HK$869/mo
▼ 0.25% · 3.875%
HK$14,294
−HK$438/mo
Today · 4.125%
HK$14,732
baseline
▲ 0.50% · 4.625%
HK$15,628
+HK$896/mo
Deposit HK$3.04M · loan HK$3.04M · min. income ≈ HK$29,464/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$142,946 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,422
−HK$833/mo
▼ 0.25% · 3.875%
HK$15,836
−HK$419/mo
Today · 4.125%
HK$16,255
baseline
▲ 0.50% · 4.625%
HK$17,112
+HK$857/mo
Deposit HK$3.04M · loan HK$3.04M · min. income ≈ HK$32,510/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$142,946 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,635
−HK$1,043/mo
▼ 0.25% · 3.875%
HK$17,153
−HK$525/mo
Today · 4.125%
HK$17,678
baseline
▲ 0.50% · 4.625%
HK$18,754
+HK$1,076/mo
Deposit HK$2.43M · loan HK$3.65M · min. income ≈ HK$35,356/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$142,946 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,507
−HK$999/mo
▼ 0.25% · 3.875%
HK$19,003
−HK$503/mo
Today · 4.125%
HK$19,506
baseline
▲ 0.50% · 4.625%
HK$20,535
+HK$1,029/mo
Deposit HK$2.43M · loan HK$3.65M · min. income ≈ HK$39,012/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$142,946 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,408
−HK$1,217/mo
▼ 0.25% · 3.875%
HK$20,012
−HK$613/mo
Today · 4.125%
HK$20,625
baseline
▲ 0.50% · 4.625%
HK$21,880
+HK$1,255/mo
Deposit HK$1.82M · loan HK$4.26M · min. income ≈ HK$41,250/mo (50% DSR)
Upfront cash ≈ HK$1.97M (deposit + AVD stamp duty HK$142,946 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,591
−HK$1,166/mo
▼ 0.25% · 3.875%
HK$22,170
−HK$587/mo
Today · 4.125%
HK$22,757
baseline
▲ 0.50% · 4.625%
HK$23,957
+HK$1,200/mo
Deposit HK$1.82M · loan HK$4.26M · min. income ≈ HK$45,514/mo (50% DSR)
Upfront cash ≈ HK$1.97M (deposit + AVD stamp duty HK$142,946 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,953
−HK$1,565/mo
▼ 0.25% · 3.875%
HK$25,729
−HK$789/mo
Today · 4.125%
HK$26,518
baseline
▲ 0.50% · 4.625%
HK$28,131
+HK$1,613/mo
Deposit HK$608K · loan HK$5.47M · min. income ≈ HK$53,036/mo (50% DSR)
Upfront cash ≈ HK$751K (deposit + AVD stamp duty HK$142,946 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,760
−HK$1,500/mo
▼ 0.25% · 3.875%
HK$28,504
−HK$756/mo
Today · 4.125%
HK$29,260
baseline
▲ 0.50% · 4.625%
HK$30,802
+HK$1,542/mo
Deposit HK$608K · loan HK$5.47M · min. income ≈ HK$58,520/mo (50% DSR)
Upfront cash ≈ HK$751K (deposit + AVD stamp duty HK$142,946 · 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).