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$13,839
−HK$867/mo
▼ 0.25% · 3.875%
HK$14,269
−HK$437/mo
Today · 4.125%
HK$14,706
baseline
▲ 0.50% · 4.625%
HK$15,601
+HK$895/mo
Deposit HK$3.03M · loan HK$3.03M · min. income ≈ HK$29,412/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$141,892 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,395
−HK$832/mo
▼ 0.25% · 3.875%
HK$15,808
−HK$419/mo
Today · 4.125%
HK$16,227
baseline
▲ 0.50% · 4.625%
HK$17,083
+HK$856/mo
Deposit HK$3.03M · loan HK$3.03M · min. income ≈ HK$32,454/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$141,892 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,606
−HK$1,042/mo
▼ 0.25% · 3.875%
HK$17,123
−HK$525/mo
Today · 4.125%
HK$17,648
baseline
▲ 0.50% · 4.625%
HK$18,722
+HK$1,074/mo
Deposit HK$2.43M · loan HK$3.64M · min. income ≈ HK$35,296/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$141,892 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,474
−HK$999/mo
▼ 0.25% · 3.875%
HK$18,970
−HK$503/mo
Today · 4.125%
HK$19,473
baseline
▲ 0.50% · 4.625%
HK$20,499
+HK$1,026/mo
Deposit HK$2.43M · loan HK$3.64M · min. income ≈ HK$38,946/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$141,892 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,374
−HK$1,215/mo
▼ 0.25% · 3.875%
HK$19,977
−HK$612/mo
Today · 4.125%
HK$20,589
baseline
▲ 0.50% · 4.625%
HK$21,842
+HK$1,253/mo
Deposit HK$1.82M · loan HK$4.25M · min. income ≈ HK$41,178/mo (50% DSR)
Upfront cash ≈ HK$1.96M (deposit + AVD stamp duty HK$141,892 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,554
−HK$1,164/mo
▼ 0.25% · 3.875%
HK$22,132
−HK$586/mo
Today · 4.125%
HK$22,718
baseline
▲ 0.50% · 4.625%
HK$23,916
+HK$1,198/mo
Deposit HK$1.82M · loan HK$4.25M · min. income ≈ HK$45,436/mo (50% DSR)
Upfront cash ≈ HK$1.96M (deposit + AVD stamp duty HK$141,892 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,910
−HK$1,562/mo
▼ 0.25% · 3.875%
HK$25,684
−HK$788/mo
Today · 4.125%
HK$26,472
baseline
▲ 0.50% · 4.625%
HK$28,082
+HK$1,610/mo
Deposit HK$607K · loan HK$5.46M · min. income ≈ HK$52,944/mo (50% DSR)
Upfront cash ≈ HK$749K (deposit + AVD stamp duty HK$141,892 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,712
−HK$1,497/mo
▼ 0.25% · 3.875%
HK$28,455
−HK$754/mo
Today · 4.125%
HK$29,209
baseline
▲ 0.50% · 4.625%
HK$30,749
+HK$1,540/mo
Deposit HK$607K · loan HK$5.46M · min. income ≈ HK$58,418/mo (50% DSR)
Upfront cash ≈ HK$749K (deposit + AVD stamp duty HK$141,892 · 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).