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$13,856
−HK$869/mo
▼ 0.25% · 3.875%
HK$14,287
−HK$438/mo
Today · 4.125%
HK$14,725
baseline
▲ 0.50% · 4.625%
HK$15,621
+HK$896/mo
Deposit HK$3.04M · loan HK$3.04M · min. income ≈ HK$29,450/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$142,664 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,415
−HK$833/mo
▼ 0.25% · 3.875%
HK$15,828
−HK$420/mo
Today · 4.125%
HK$16,248
baseline
▲ 0.50% · 4.625%
HK$17,104
+HK$856/mo
Deposit HK$3.04M · loan HK$3.04M · min. income ≈ HK$32,496/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$142,664 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,628
−HK$1,042/mo
▼ 0.25% · 3.875%
HK$17,145
−HK$525/mo
Today · 4.125%
HK$17,670
baseline
▲ 0.50% · 4.625%
HK$18,745
+HK$1,075/mo
Deposit HK$2.43M · loan HK$3.65M · min. income ≈ HK$35,340/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$142,664 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,498
−HK$999/mo
▼ 0.25% · 3.875%
HK$18,994
−HK$503/mo
Today · 4.125%
HK$19,497
baseline
▲ 0.50% · 4.625%
HK$20,525
+HK$1,028/mo
Deposit HK$2.43M · loan HK$3.65M · min. income ≈ HK$38,994/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$142,664 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,399
−HK$1,216/mo
▼ 0.25% · 3.875%
HK$20,002
−HK$613/mo
Today · 4.125%
HK$20,615
baseline
▲ 0.50% · 4.625%
HK$21,870
+HK$1,255/mo
Deposit HK$1.82M · loan HK$4.25M · min. income ≈ HK$41,230/mo (50% DSR)
Upfront cash ≈ HK$1.97M (deposit + AVD stamp duty HK$142,664 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,581
−HK$1,166/mo
▼ 0.25% · 3.875%
HK$22,160
−HK$587/mo
Today · 4.125%
HK$22,747
baseline
▲ 0.50% · 4.625%
HK$23,946
+HK$1,199/mo
Deposit HK$1.82M · loan HK$4.25M · min. income ≈ HK$45,494/mo (50% DSR)
Upfront cash ≈ HK$1.97M (deposit + AVD stamp duty HK$142,664 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,941
−HK$1,564/mo
▼ 0.25% · 3.875%
HK$25,717
−HK$788/mo
Today · 4.125%
HK$26,505
baseline
▲ 0.50% · 4.625%
HK$28,118
+HK$1,613/mo
Deposit HK$608K · loan HK$5.47M · min. income ≈ HK$53,010/mo (50% DSR)
Upfront cash ≈ HK$750K (deposit + AVD stamp duty HK$142,664 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,747
−HK$1,499/mo
▼ 0.25% · 3.875%
HK$28,491
−HK$755/mo
Today · 4.125%
HK$29,246
baseline
▲ 0.50% · 4.625%
HK$30,788
+HK$1,542/mo
Deposit HK$608K · loan HK$5.47M · min. income ≈ HK$58,492/mo (50% DSR)
Upfront cash ≈ HK$750K (deposit + AVD stamp duty HK$142,664 · 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).