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$13,847
−HK$869/mo
▼ 0.25% · 3.875%
HK$14,278
−HK$438/mo
Today · 4.125%
HK$14,716
baseline
▲ 0.50% · 4.625%
HK$15,611
+HK$895/mo
Deposit HK$3.04M · loan HK$3.04M · min. income ≈ HK$29,432/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$142,266 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,405
−HK$832/mo
▼ 0.25% · 3.875%
HK$15,818
−HK$419/mo
Today · 4.125%
HK$16,237
baseline
▲ 0.50% · 4.625%
HK$17,093
+HK$856/mo
Deposit HK$3.04M · loan HK$3.04M · min. income ≈ HK$32,474/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$142,266 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,617
−HK$1,042/mo
▼ 0.25% · 3.875%
HK$17,134
−HK$525/mo
Today · 4.125%
HK$17,659
baseline
▲ 0.50% · 4.625%
HK$18,733
+HK$1,074/mo
Deposit HK$2.43M · loan HK$3.64M · min. income ≈ HK$35,318/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$142,266 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,486
−HK$999/mo
▼ 0.25% · 3.875%
HK$18,982
−HK$503/mo
Today · 4.125%
HK$19,485
baseline
▲ 0.50% · 4.625%
HK$20,512
+HK$1,027/mo
Deposit HK$2.43M · loan HK$3.64M · min. income ≈ HK$38,970/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$142,266 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,386
−HK$1,216/mo
▼ 0.25% · 3.875%
HK$19,989
−HK$613/mo
Today · 4.125%
HK$20,602
baseline
▲ 0.50% · 4.625%
HK$21,855
+HK$1,253/mo
Deposit HK$1.82M · loan HK$4.25M · min. income ≈ HK$41,204/mo (50% DSR)
Upfront cash ≈ HK$1.96M (deposit + AVD stamp duty HK$142,266 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,567
−HK$1,165/mo
▼ 0.25% · 3.875%
HK$22,145
−HK$587/mo
Today · 4.125%
HK$22,732
baseline
▲ 0.50% · 4.625%
HK$23,930
+HK$1,198/mo
Deposit HK$1.82M · loan HK$4.25M · min. income ≈ HK$45,464/mo (50% DSR)
Upfront cash ≈ HK$1.96M (deposit + AVD stamp duty HK$142,266 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,925
−HK$1,563/mo
▼ 0.25% · 3.875%
HK$25,700
−HK$788/mo
Today · 4.125%
HK$26,488
baseline
▲ 0.50% · 4.625%
HK$28,100
+HK$1,612/mo
Deposit HK$607K · loan HK$5.47M · min. income ≈ HK$52,976/mo (50% DSR)
Upfront cash ≈ HK$750K (deposit + AVD stamp duty HK$142,266 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,729
−HK$1,498/mo
▼ 0.25% · 3.875%
HK$28,472
−HK$755/mo
Today · 4.125%
HK$29,227
baseline
▲ 0.50% · 4.625%
HK$30,767
+HK$1,540/mo
Deposit HK$607K · loan HK$5.47M · min. income ≈ HK$58,454/mo (50% DSR)
Upfront cash ≈ HK$750K (deposit + AVD stamp duty HK$142,266 · 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).