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$13,884
−HK$871/mo
▼ 0.25% · 3.875%
HK$14,316
−HK$439/mo
Today · 4.125%
HK$14,755
baseline
▲ 0.50% · 4.625%
HK$15,652
+HK$897/mo
Deposit HK$3.04M · loan HK$3.04M · min. income ≈ HK$29,510/mo (50% DSR)
Upfront cash ≈ HK$3.19M (deposit + AVD stamp duty HK$143,876 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,446
−HK$834/mo
▼ 0.25% · 3.875%
HK$15,860
−HK$420/mo
Today · 4.125%
HK$16,280
baseline
▲ 0.50% · 4.625%
HK$17,138
+HK$858/mo
Deposit HK$3.04M · loan HK$3.04M · min. income ≈ HK$32,560/mo (50% DSR)
Upfront cash ≈ HK$3.19M (deposit + AVD stamp duty HK$143,876 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,661
−HK$1,044/mo
▼ 0.25% · 3.875%
HK$17,179
−HK$526/mo
Today · 4.125%
HK$17,705
baseline
▲ 0.50% · 4.625%
HK$18,783
+HK$1,078/mo
Deposit HK$2.44M · loan HK$3.65M · min. income ≈ HK$35,410/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$143,876 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,535
−HK$1,001/mo
▼ 0.25% · 3.875%
HK$19,032
−HK$504/mo
Today · 4.125%
HK$19,536
baseline
▲ 0.50% · 4.625%
HK$20,566
+HK$1,030/mo
Deposit HK$2.44M · loan HK$3.65M · min. income ≈ HK$39,072/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$143,876 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,438
−HK$1,218/mo
▼ 0.25% · 3.875%
HK$20,042
−HK$614/mo
Today · 4.125%
HK$20,656
baseline
▲ 0.50% · 4.625%
HK$21,913
+HK$1,257/mo
Deposit HK$1.83M · loan HK$4.26M · min. income ≈ HK$41,312/mo (50% DSR)
Upfront cash ≈ HK$1.97M (deposit + AVD stamp duty HK$143,876 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,624
−HK$1,168/mo
▼ 0.25% · 3.875%
HK$22,204
−HK$588/mo
Today · 4.125%
HK$22,792
baseline
▲ 0.50% · 4.625%
HK$23,994
+HK$1,202/mo
Deposit HK$1.83M · loan HK$4.26M · min. income ≈ HK$45,584/mo (50% DSR)
Upfront cash ≈ HK$1.97M (deposit + AVD stamp duty HK$143,876 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,991
−HK$1,567/mo
▼ 0.25% · 3.875%
HK$25,768
−HK$790/mo
Today · 4.125%
HK$26,558
baseline
▲ 0.50% · 4.625%
HK$28,174
+HK$1,616/mo
Deposit HK$609K · loan HK$5.48M · min. income ≈ HK$53,116/mo (50% DSR)
Upfront cash ≈ HK$753K (deposit + AVD stamp duty HK$143,876 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,802
−HK$1,502/mo
▼ 0.25% · 3.875%
HK$28,548
−HK$756/mo
Today · 4.125%
HK$29,304
baseline
▲ 0.50% · 4.625%
HK$30,849
+HK$1,545/mo
Deposit HK$609K · loan HK$5.48M · min. income ≈ HK$58,608/mo (50% DSR)
Upfront cash ≈ HK$753K (deposit + AVD stamp duty HK$143,876 · 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).