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$13,851
−HK$868/mo
▼ 0.25% · 3.875%
HK$14,281
−HK$438/mo
Today · 4.125%
HK$14,719
baseline
▲ 0.50% · 4.625%
HK$15,615
+HK$896/mo
Deposit HK$3.04M · loan HK$3.04M · min. income ≈ HK$29,438/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$142,412 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,409
−HK$832/mo
▼ 0.25% · 3.875%
HK$15,822
−HK$419/mo
Today · 4.125%
HK$16,241
baseline
▲ 0.50% · 4.625%
HK$17,097
+HK$856/mo
Deposit HK$3.04M · loan HK$3.04M · min. income ≈ HK$32,482/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$142,412 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,621
−HK$1,042/mo
▼ 0.25% · 3.875%
HK$17,138
−HK$525/mo
Today · 4.125%
HK$17,663
baseline
▲ 0.50% · 4.625%
HK$18,738
+HK$1,075/mo
Deposit HK$2.43M · loan HK$3.64M · min. income ≈ HK$35,326/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$142,412 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,490
−HK$999/mo
▼ 0.25% · 3.875%
HK$18,986
−HK$503/mo
Today · 4.125%
HK$19,489
baseline
▲ 0.50% · 4.625%
HK$20,517
+HK$1,028/mo
Deposit HK$2.43M · loan HK$3.64M · min. income ≈ HK$38,978/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$142,412 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,391
−HK$1,216/mo
▼ 0.25% · 3.875%
HK$19,994
−HK$613/mo
Today · 4.125%
HK$20,607
baseline
▲ 0.50% · 4.625%
HK$21,861
+HK$1,254/mo
Deposit HK$1.82M · loan HK$4.25M · min. income ≈ HK$41,214/mo (50% DSR)
Upfront cash ≈ HK$1.96M (deposit + AVD stamp duty HK$142,412 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,572
−HK$1,165/mo
▼ 0.25% · 3.875%
HK$22,151
−HK$586/mo
Today · 4.125%
HK$22,737
baseline
▲ 0.50% · 4.625%
HK$23,936
+HK$1,199/mo
Deposit HK$1.82M · loan HK$4.25M · min. income ≈ HK$45,474/mo (50% DSR)
Upfront cash ≈ HK$1.96M (deposit + AVD stamp duty HK$142,412 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,931
−HK$1,563/mo
▼ 0.25% · 3.875%
HK$25,706
−HK$788/mo
Today · 4.125%
HK$26,494
baseline
▲ 0.50% · 4.625%
HK$28,106
+HK$1,612/mo
Deposit HK$607K · loan HK$5.47M · min. income ≈ HK$52,988/mo (50% DSR)
Upfront cash ≈ HK$750K (deposit + AVD stamp duty HK$142,412 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,735
−HK$1,499/mo
▼ 0.25% · 3.875%
HK$28,479
−HK$755/mo
Today · 4.125%
HK$29,234
baseline
▲ 0.50% · 4.625%
HK$30,775
+HK$1,541/mo
Deposit HK$607K · loan HK$5.47M · min. income ≈ HK$58,468/mo (50% DSR)
Upfront cash ≈ HK$750K (deposit + AVD stamp duty HK$142,412 · 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).