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$13,858
−HK$869/mo
▼ 0.25% · 3.875%
HK$14,289
−HK$438/mo
Today · 4.125%
HK$14,727
baseline
▲ 0.50% · 4.625%
HK$15,623
+HK$896/mo
Deposit HK$3.04M · loan HK$3.04M · min. income ≈ HK$29,454/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$142,749 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,417
−HK$833/mo
▼ 0.25% · 3.875%
HK$15,831
−HK$419/mo
Today · 4.125%
HK$16,250
baseline
▲ 0.50% · 4.625%
HK$17,107
+HK$857/mo
Deposit HK$3.04M · loan HK$3.04M · min. income ≈ HK$32,500/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$142,749 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,630
−HK$1,043/mo
▼ 0.25% · 3.875%
HK$17,147
−HK$526/mo
Today · 4.125%
HK$17,673
baseline
▲ 0.50% · 4.625%
HK$18,748
+HK$1,075/mo
Deposit HK$2.43M · loan HK$3.65M · min. income ≈ HK$35,346/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$142,749 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,501
−HK$999/mo
▼ 0.25% · 3.875%
HK$18,997
−HK$503/mo
Today · 4.125%
HK$19,500
baseline
▲ 0.50% · 4.625%
HK$20,528
+HK$1,028/mo
Deposit HK$2.43M · loan HK$3.65M · min. income ≈ HK$39,000/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$142,749 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,402
−HK$1,216/mo
▼ 0.25% · 3.875%
HK$20,005
−HK$613/mo
Today · 4.125%
HK$20,618
baseline
▲ 0.50% · 4.625%
HK$21,873
+HK$1,255/mo
Deposit HK$1.82M · loan HK$4.25M · min. income ≈ HK$41,236/mo (50% DSR)
Upfront cash ≈ HK$1.97M (deposit + AVD stamp duty HK$142,749 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,584
−HK$1,166/mo
▼ 0.25% · 3.875%
HK$22,163
−HK$587/mo
Today · 4.125%
HK$22,750
baseline
▲ 0.50% · 4.625%
HK$23,949
+HK$1,199/mo
Deposit HK$1.82M · loan HK$4.25M · min. income ≈ HK$45,500/mo (50% DSR)
Upfront cash ≈ HK$1.97M (deposit + AVD stamp duty HK$142,749 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,945
−HK$1,564/mo
▼ 0.25% · 3.875%
HK$25,721
−HK$788/mo
Today · 4.125%
HK$26,509
baseline
▲ 0.50% · 4.625%
HK$28,122
+HK$1,613/mo
Deposit HK$608K · loan HK$5.47M · min. income ≈ HK$53,018/mo (50% DSR)
Upfront cash ≈ HK$750K (deposit + AVD stamp duty HK$142,749 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,751
−HK$1,499/mo
▼ 0.25% · 3.875%
HK$28,495
−HK$755/mo
Today · 4.125%
HK$29,250
baseline
▲ 0.50% · 4.625%
HK$30,792
+HK$1,542/mo
Deposit HK$608K · loan HK$5.47M · min. income ≈ HK$58,500/mo (50% DSR)
Upfront cash ≈ HK$750K (deposit + AVD stamp duty HK$142,749 · 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).