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$13,875
−HK$870/mo
▼ 0.25% · 3.875%
HK$14,307
−HK$438/mo
Today · 4.125%
HK$14,745
baseline
▲ 0.50% · 4.625%
HK$15,643
+HK$898/mo
Deposit HK$3.04M · loan HK$3.04M · min. income ≈ HK$29,490/mo (50% DSR)
Upfront cash ≈ HK$3.19M (deposit + AVD stamp duty HK$143,497 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,436
−HK$834/mo
▼ 0.25% · 3.875%
HK$15,850
−HK$420/mo
Today · 4.125%
HK$16,270
baseline
▲ 0.50% · 4.625%
HK$17,128
+HK$858/mo
Deposit HK$3.04M · loan HK$3.04M · min. income ≈ HK$32,540/mo (50% DSR)
Upfront cash ≈ HK$3.19M (deposit + AVD stamp duty HK$143,497 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,650
−HK$1,044/mo
▼ 0.25% · 3.875%
HK$17,168
−HK$526/mo
Today · 4.125%
HK$17,694
baseline
▲ 0.50% · 4.625%
HK$18,771
+HK$1,077/mo
Deposit HK$2.43M · loan HK$3.65M · min. income ≈ HK$35,388/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$143,497 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,523
−HK$1,001/mo
▼ 0.25% · 3.875%
HK$19,020
−HK$504/mo
Today · 4.125%
HK$19,524
baseline
▲ 0.50% · 4.625%
HK$20,553
+HK$1,029/mo
Deposit HK$2.43M · loan HK$3.65M · min. income ≈ HK$39,048/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$143,497 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,425
−HK$1,219/mo
▼ 0.25% · 3.875%
HK$20,030
−HK$614/mo
Today · 4.125%
HK$20,644
baseline
▲ 0.50% · 4.625%
HK$21,900
+HK$1,256/mo
Deposit HK$1.83M · loan HK$4.26M · min. income ≈ HK$41,288/mo (50% DSR)
Upfront cash ≈ HK$1.97M (deposit + AVD stamp duty HK$143,497 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,611
−HK$1,167/mo
▼ 0.25% · 3.875%
HK$22,190
−HK$588/mo
Today · 4.125%
HK$22,778
baseline
▲ 0.50% · 4.625%
HK$23,979
+HK$1,201/mo
Deposit HK$1.83M · loan HK$4.26M · min. income ≈ HK$45,556/mo (50% DSR)
Upfront cash ≈ HK$1.97M (deposit + AVD stamp duty HK$143,497 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,976
−HK$1,566/mo
▼ 0.25% · 3.875%
HK$25,752
−HK$790/mo
Today · 4.125%
HK$26,542
baseline
▲ 0.50% · 4.625%
HK$28,157
+HK$1,615/mo
Deposit HK$608K · loan HK$5.48M · min. income ≈ HK$53,084/mo (50% DSR)
Upfront cash ≈ HK$752K (deposit + AVD stamp duty HK$143,497 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,785
−HK$1,501/mo
▼ 0.25% · 3.875%
HK$28,530
−HK$756/mo
Today · 4.125%
HK$29,286
baseline
▲ 0.50% · 4.625%
HK$30,830
+HK$1,544/mo
Deposit HK$608K · loan HK$5.48M · min. income ≈ HK$58,572/mo (50% DSR)
Upfront cash ≈ HK$752K (deposit + AVD stamp duty HK$143,497 · 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).