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$13,869
−HK$870/mo
▼ 0.25% · 3.875%
HK$14,300
−HK$439/mo
Today · 4.125%
HK$14,739
baseline
▲ 0.50% · 4.625%
HK$15,635
+HK$896/mo
Deposit HK$3.04M · loan HK$3.04M · min. income ≈ HK$29,478/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$143,219 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,429
−HK$834/mo
▼ 0.25% · 3.875%
HK$15,843
−HK$420/mo
Today · 4.125%
HK$16,263
baseline
▲ 0.50% · 4.625%
HK$17,120
+HK$857/mo
Deposit HK$3.04M · loan HK$3.04M · min. income ≈ HK$32,526/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$143,219 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,643
−HK$1,043/mo
▼ 0.25% · 3.875%
HK$17,160
−HK$526/mo
Today · 4.125%
HK$17,686
baseline
▲ 0.50% · 4.625%
HK$18,763
+HK$1,077/mo
Deposit HK$2.43M · loan HK$3.65M · min. income ≈ HK$35,372/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$143,219 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,515
−HK$1,000/mo
▼ 0.25% · 3.875%
HK$19,011
−HK$504/mo
Today · 4.125%
HK$19,515
baseline
▲ 0.50% · 4.625%
HK$20,544
+HK$1,029/mo
Deposit HK$2.43M · loan HK$3.65M · min. income ≈ HK$39,030/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$143,219 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,417
−HK$1,217/mo
▼ 0.25% · 3.875%
HK$20,020
−HK$614/mo
Today · 4.125%
HK$20,634
baseline
▲ 0.50% · 4.625%
HK$21,890
+HK$1,256/mo
Deposit HK$1.82M · loan HK$4.26M · min. income ≈ HK$41,268/mo (50% DSR)
Upfront cash ≈ HK$1.97M (deposit + AVD stamp duty HK$143,219 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,601
−HK$1,167/mo
▼ 0.25% · 3.875%
HK$22,180
−HK$588/mo
Today · 4.125%
HK$22,768
baseline
▲ 0.50% · 4.625%
HK$23,968
+HK$1,200/mo
Deposit HK$1.82M · loan HK$4.26M · min. income ≈ HK$45,536/mo (50% DSR)
Upfront cash ≈ HK$1.97M (deposit + AVD stamp duty HK$143,219 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,964
−HK$1,566/mo
▼ 0.25% · 3.875%
HK$25,741
−HK$789/mo
Today · 4.125%
HK$26,530
baseline
▲ 0.50% · 4.625%
HK$28,144
+HK$1,614/mo
Deposit HK$608K · loan HK$5.47M · min. income ≈ HK$53,060/mo (50% DSR)
Upfront cash ≈ HK$751K (deposit + AVD stamp duty HK$143,219 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,772
−HK$1,501/mo
▼ 0.25% · 3.875%
HK$28,517
−HK$756/mo
Today · 4.125%
HK$29,273
baseline
▲ 0.50% · 4.625%
HK$30,816
+HK$1,543/mo
Deposit HK$608K · loan HK$5.47M · min. income ≈ HK$58,546/mo (50% DSR)
Upfront cash ≈ HK$751K (deposit + AVD stamp duty HK$143,219 · 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).