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$13,849
−HK$869/mo
▼ 0.25% · 3.875%
HK$14,280
−HK$438/mo
Today · 4.125%
HK$14,718
baseline
▲ 0.50% · 4.625%
HK$15,613
+HK$895/mo
Deposit HK$3.04M · loan HK$3.04M · min. income ≈ HK$29,436/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$142,360 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,407
−HK$833/mo
▼ 0.25% · 3.875%
HK$15,820
−HK$420/mo
Today · 4.125%
HK$16,240
baseline
▲ 0.50% · 4.625%
HK$17,096
+HK$856/mo
Deposit HK$3.04M · loan HK$3.04M · min. income ≈ HK$32,480/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$142,360 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,619
−HK$1,042/mo
▼ 0.25% · 3.875%
HK$17,136
−HK$525/mo
Today · 4.125%
HK$17,661
baseline
▲ 0.50% · 4.625%
HK$18,736
+HK$1,075/mo
Deposit HK$2.43M · loan HK$3.64M · min. income ≈ HK$35,322/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$142,360 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,489
−HK$999/mo
▼ 0.25% · 3.875%
HK$18,985
−HK$503/mo
Today · 4.125%
HK$19,488
baseline
▲ 0.50% · 4.625%
HK$20,515
+HK$1,027/mo
Deposit HK$2.43M · loan HK$3.64M · min. income ≈ HK$38,976/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$142,360 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,389
−HK$1,216/mo
▼ 0.25% · 3.875%
HK$19,992
−HK$613/mo
Today · 4.125%
HK$20,605
baseline
▲ 0.50% · 4.625%
HK$21,859
+HK$1,254/mo
Deposit HK$1.82M · loan HK$4.25M · min. income ≈ HK$41,210/mo (50% DSR)
Upfront cash ≈ HK$1.96M (deposit + AVD stamp duty HK$142,360 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,570
−HK$1,166/mo
▼ 0.25% · 3.875%
HK$22,149
−HK$587/mo
Today · 4.125%
HK$22,736
baseline
▲ 0.50% · 4.625%
HK$23,934
+HK$1,198/mo
Deposit HK$1.82M · loan HK$4.25M · min. income ≈ HK$45,472/mo (50% DSR)
Upfront cash ≈ HK$1.96M (deposit + AVD stamp duty HK$142,360 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,929
−HK$1,563/mo
▼ 0.25% · 3.875%
HK$25,704
−HK$788/mo
Today · 4.125%
HK$26,492
baseline
▲ 0.50% · 4.625%
HK$28,104
+HK$1,612/mo
Deposit HK$607K · loan HK$5.47M · min. income ≈ HK$52,984/mo (50% DSR)
Upfront cash ≈ HK$750K (deposit + AVD stamp duty HK$142,360 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,733
−HK$1,498/mo
▼ 0.25% · 3.875%
HK$28,477
−HK$754/mo
Today · 4.125%
HK$29,231
baseline
▲ 0.50% · 4.625%
HK$30,772
+HK$1,541/mo
Deposit HK$607K · loan HK$5.47M · min. income ≈ HK$58,462/mo (50% DSR)
Upfront cash ≈ HK$750K (deposit + AVD stamp duty HK$142,360 · 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).