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$13,870
−HK$870/mo
▼ 0.25% · 3.875%
HK$14,302
−HK$438/mo
Today · 4.125%
HK$14,740
baseline
▲ 0.50% · 4.625%
HK$15,637
+HK$897/mo
Deposit HK$3.04M · loan HK$3.04M · min. income ≈ HK$29,480/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$143,287 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,431
−HK$833/mo
▼ 0.25% · 3.875%
HK$15,845
−HK$419/mo
Today · 4.125%
HK$16,264
baseline
▲ 0.50% · 4.625%
HK$17,122
+HK$858/mo
Deposit HK$3.04M · loan HK$3.04M · min. income ≈ HK$32,528/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$143,287 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,645
−HK$1,043/mo
▼ 0.25% · 3.875%
HK$17,162
−HK$526/mo
Today · 4.125%
HK$17,688
baseline
▲ 0.50% · 4.625%
HK$18,765
+HK$1,077/mo
Deposit HK$2.43M · loan HK$3.65M · min. income ≈ HK$35,376/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$143,287 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,517
−HK$1,000/mo
▼ 0.25% · 3.875%
HK$19,014
−HK$503/mo
Today · 4.125%
HK$19,517
baseline
▲ 0.50% · 4.625%
HK$20,546
+HK$1,029/mo
Deposit HK$2.43M · loan HK$3.65M · min. income ≈ HK$39,034/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$143,287 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,419
−HK$1,217/mo
▼ 0.25% · 3.875%
HK$20,023
−HK$613/mo
Today · 4.125%
HK$20,636
baseline
▲ 0.50% · 4.625%
HK$21,892
+HK$1,256/mo
Deposit HK$1.82M · loan HK$4.26M · min. income ≈ HK$41,272/mo (50% DSR)
Upfront cash ≈ HK$1.97M (deposit + AVD stamp duty HK$143,287 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,603
−HK$1,167/mo
▼ 0.25% · 3.875%
HK$22,182
−HK$588/mo
Today · 4.125%
HK$22,770
baseline
▲ 0.50% · 4.625%
HK$23,970
+HK$1,200/mo
Deposit HK$1.82M · loan HK$4.26M · min. income ≈ HK$45,540/mo (50% DSR)
Upfront cash ≈ HK$1.97M (deposit + AVD stamp duty HK$143,287 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,967
−HK$1,566/mo
▼ 0.25% · 3.875%
HK$25,743
−HK$790/mo
Today · 4.125%
HK$26,533
baseline
▲ 0.50% · 4.625%
HK$28,147
+HK$1,614/mo
Deposit HK$608K · loan HK$5.47M · min. income ≈ HK$53,066/mo (50% DSR)
Upfront cash ≈ HK$752K (deposit + AVD stamp duty HK$143,287 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,775
−HK$1,501/mo
▼ 0.25% · 3.875%
HK$28,520
−HK$756/mo
Today · 4.125%
HK$29,276
baseline
▲ 0.50% · 4.625%
HK$30,819
+HK$1,543/mo
Deposit HK$608K · loan HK$5.47M · min. income ≈ HK$58,552/mo (50% DSR)
Upfront cash ≈ HK$752K (deposit + AVD stamp duty HK$143,287 · 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).