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$13,831
−HK$867/mo
▼ 0.25% · 3.875%
HK$14,261
−HK$437/mo
Today · 4.125%
HK$14,698
baseline
▲ 0.50% · 4.625%
HK$15,592
+HK$894/mo
Deposit HK$3.03M · loan HK$3.03M · min. income ≈ HK$29,396/mo (50% DSR)
Upfront cash ≈ HK$3.17M (deposit + AVD stamp duty HK$141,545 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,387
−HK$831/mo
▼ 0.25% · 3.875%
HK$15,799
−HK$419/mo
Today · 4.125%
HK$16,218
baseline
▲ 0.50% · 4.625%
HK$17,073
+HK$855/mo
Deposit HK$3.03M · loan HK$3.03M · min. income ≈ HK$32,436/mo (50% DSR)
Upfront cash ≈ HK$3.17M (deposit + AVD stamp duty HK$141,545 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,597
−HK$1,041/mo
▼ 0.25% · 3.875%
HK$17,113
−HK$525/mo
Today · 4.125%
HK$17,638
baseline
▲ 0.50% · 4.625%
HK$18,711
+HK$1,073/mo
Deposit HK$2.43M · loan HK$3.64M · min. income ≈ HK$35,276/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$141,545 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,464
−HK$997/mo
▼ 0.25% · 3.875%
HK$18,959
−HK$502/mo
Today · 4.125%
HK$19,461
baseline
▲ 0.50% · 4.625%
HK$20,487
+HK$1,026/mo
Deposit HK$2.43M · loan HK$3.64M · min. income ≈ HK$38,922/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$141,545 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,363
−HK$1,214/mo
▼ 0.25% · 3.875%
HK$19,965
−HK$612/mo
Today · 4.125%
HK$20,577
baseline
▲ 0.50% · 4.625%
HK$21,829
+HK$1,252/mo
Deposit HK$1.82M · loan HK$4.25M · min. income ≈ HK$41,154/mo (50% DSR)
Upfront cash ≈ HK$1.96M (deposit + AVD stamp duty HK$141,545 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,541
−HK$1,164/mo
▼ 0.25% · 3.875%
HK$22,119
−HK$586/mo
Today · 4.125%
HK$22,705
baseline
▲ 0.50% · 4.625%
HK$23,902
+HK$1,197/mo
Deposit HK$1.82M · loan HK$4.25M · min. income ≈ HK$45,410/mo (50% DSR)
Upfront cash ≈ HK$1.96M (deposit + AVD stamp duty HK$141,545 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,895
−HK$1,562/mo
▼ 0.25% · 3.875%
HK$25,670
−HK$787/mo
Today · 4.125%
HK$26,457
baseline
▲ 0.50% · 4.625%
HK$28,066
+HK$1,609/mo
Deposit HK$607K · loan HK$5.46M · min. income ≈ HK$52,914/mo (50% DSR)
Upfront cash ≈ HK$748K (deposit + AVD stamp duty HK$141,545 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,696
−HK$1,496/mo
▼ 0.25% · 3.875%
HK$28,439
−HK$753/mo
Today · 4.125%
HK$29,192
baseline
▲ 0.50% · 4.625%
HK$30,731
+HK$1,539/mo
Deposit HK$607K · loan HK$5.46M · min. income ≈ HK$58,384/mo (50% DSR)
Upfront cash ≈ HK$748K (deposit + AVD stamp duty HK$141,545 · 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).