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$13,861
−HK$869/mo
▼ 0.25% · 3.875%
HK$14,292
−HK$438/mo
Today · 4.125%
HK$14,730
baseline
▲ 0.50% · 4.625%
HK$15,626
+HK$896/mo
Deposit HK$3.04M · loan HK$3.04M · min. income ≈ HK$29,460/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$142,856 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,420
−HK$833/mo
▼ 0.25% · 3.875%
HK$15,833
−HK$420/mo
Today · 4.125%
HK$16,253
baseline
▲ 0.50% · 4.625%
HK$17,110
+HK$857/mo
Deposit HK$3.04M · loan HK$3.04M · min. income ≈ HK$32,506/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$142,856 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,633
−HK$1,043/mo
▼ 0.25% · 3.875%
HK$17,150
−HK$526/mo
Today · 4.125%
HK$17,676
baseline
▲ 0.50% · 4.625%
HK$18,751
+HK$1,075/mo
Deposit HK$2.43M · loan HK$3.65M · min. income ≈ HK$35,352/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$142,856 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,504
−HK$1,000/mo
▼ 0.25% · 3.875%
HK$19,000
−HK$504/mo
Today · 4.125%
HK$19,504
baseline
▲ 0.50% · 4.625%
HK$20,532
+HK$1,028/mo
Deposit HK$2.43M · loan HK$3.65M · min. income ≈ HK$39,008/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$142,856 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,405
−HK$1,217/mo
▼ 0.25% · 3.875%
HK$20,009
−HK$613/mo
Today · 4.125%
HK$20,622
baseline
▲ 0.50% · 4.625%
HK$21,877
+HK$1,255/mo
Deposit HK$1.82M · loan HK$4.25M · min. income ≈ HK$41,244/mo (50% DSR)
Upfront cash ≈ HK$1.97M (deposit + AVD stamp duty HK$142,856 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,588
−HK$1,166/mo
▼ 0.25% · 3.875%
HK$22,167
−HK$587/mo
Today · 4.125%
HK$22,754
baseline
▲ 0.50% · 4.625%
HK$23,954
+HK$1,200/mo
Deposit HK$1.82M · loan HK$4.25M · min. income ≈ HK$45,508/mo (50% DSR)
Upfront cash ≈ HK$1.97M (deposit + AVD stamp duty HK$142,856 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,949
−HK$1,565/mo
▼ 0.25% · 3.875%
HK$25,725
−HK$789/mo
Today · 4.125%
HK$26,514
baseline
▲ 0.50% · 4.625%
HK$28,127
+HK$1,613/mo
Deposit HK$608K · loan HK$5.47M · min. income ≈ HK$53,028/mo (50% DSR)
Upfront cash ≈ HK$751K (deposit + AVD stamp duty HK$142,856 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,756
−HK$1,499/mo
▼ 0.25% · 3.875%
HK$28,500
−HK$755/mo
Today · 4.125%
HK$29,255
baseline
▲ 0.50% · 4.625%
HK$30,797
+HK$1,542/mo
Deposit HK$608K · loan HK$5.47M · min. income ≈ HK$58,510/mo (50% DSR)
Upfront cash ≈ HK$751K (deposit + AVD stamp duty HK$142,856 · 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).