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$13,888
−HK$871/mo
▼ 0.25% · 3.875%
HK$14,320
−HK$439/mo
Today · 4.125%
HK$14,759
baseline
▲ 0.50% · 4.625%
HK$15,657
+HK$898/mo
Deposit HK$3.05M · loan HK$3.05M · min. income ≈ HK$29,518/mo (50% DSR)
Upfront cash ≈ HK$3.19M (deposit + AVD stamp duty HK$144,074 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,451
−HK$834/mo
▼ 0.25% · 3.875%
HK$15,865
−HK$420/mo
Today · 4.125%
HK$16,285
baseline
▲ 0.50% · 4.625%
HK$17,144
+HK$859/mo
Deposit HK$3.05M · loan HK$3.05M · min. income ≈ HK$32,570/mo (50% DSR)
Upfront cash ≈ HK$3.19M (deposit + AVD stamp duty HK$144,074 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,666
−HK$1,045/mo
▼ 0.25% · 3.875%
HK$17,185
−HK$526/mo
Today · 4.125%
HK$17,711
baseline
▲ 0.50% · 4.625%
HK$18,789
+HK$1,078/mo
Deposit HK$2.44M · loan HK$3.65M · min. income ≈ HK$35,422/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$144,074 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,541
−HK$1,002/mo
▼ 0.25% · 3.875%
HK$19,038
−HK$505/mo
Today · 4.125%
HK$19,543
baseline
▲ 0.50% · 4.625%
HK$20,573
+HK$1,030/mo
Deposit HK$2.44M · loan HK$3.65M · min. income ≈ HK$39,086/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$144,074 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,444
−HK$1,219/mo
▼ 0.25% · 3.875%
HK$20,049
−HK$614/mo
Today · 4.125%
HK$20,663
baseline
▲ 0.50% · 4.625%
HK$21,920
+HK$1,257/mo
Deposit HK$1.83M · loan HK$4.26M · min. income ≈ HK$41,326/mo (50% DSR)
Upfront cash ≈ HK$1.97M (deposit + AVD stamp duty HK$144,074 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,631
−HK$1,169/mo
▼ 0.25% · 3.875%
HK$22,211
−HK$589/mo
Today · 4.125%
HK$22,800
baseline
▲ 0.50% · 4.625%
HK$24,001
+HK$1,201/mo
Deposit HK$1.83M · loan HK$4.26M · min. income ≈ HK$45,600/mo (50% DSR)
Upfront cash ≈ HK$1.97M (deposit + AVD stamp duty HK$144,074 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,999
−HK$1,568/mo
▼ 0.25% · 3.875%
HK$25,777
−HK$790/mo
Today · 4.125%
HK$26,567
baseline
▲ 0.50% · 4.625%
HK$28,183
+HK$1,616/mo
Deposit HK$609K · loan HK$5.48M · min. income ≈ HK$53,134/mo (50% DSR)
Upfront cash ≈ HK$753K (deposit + AVD stamp duty HK$144,074 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,811
−HK$1,503/mo
▼ 0.25% · 3.875%
HK$28,557
−HK$757/mo
Today · 4.125%
HK$29,314
baseline
▲ 0.50% · 4.625%
HK$30,859
+HK$1,545/mo
Deposit HK$609K · loan HK$5.48M · min. income ≈ HK$58,628/mo (50% DSR)
Upfront cash ≈ HK$753K (deposit + AVD stamp duty HK$144,074 · 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).