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$13,864
−HK$870/mo
▼ 0.25% · 3.875%
HK$14,296
−HK$438/mo
Today · 4.125%
HK$14,734
baseline
▲ 0.50% · 4.625%
HK$15,630
+HK$896/mo
Deposit HK$3.04M · loan HK$3.04M · min. income ≈ HK$29,468/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$143,024 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,424
−HK$833/mo
▼ 0.25% · 3.875%
HK$15,838
−HK$419/mo
Today · 4.125%
HK$16,257
baseline
▲ 0.50% · 4.625%
HK$17,114
+HK$857/mo
Deposit HK$3.04M · loan HK$3.04M · min. income ≈ HK$32,514/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$143,024 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,637
−HK$1,044/mo
▼ 0.25% · 3.875%
HK$17,155
−HK$526/mo
Today · 4.125%
HK$17,681
baseline
▲ 0.50% · 4.625%
HK$18,757
+HK$1,076/mo
Deposit HK$2.43M · loan HK$3.65M · min. income ≈ HK$35,362/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$143,024 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,509
−HK$1,000/mo
▼ 0.25% · 3.875%
HK$19,005
−HK$504/mo
Today · 4.125%
HK$19,509
baseline
▲ 0.50% · 4.625%
HK$20,537
+HK$1,028/mo
Deposit HK$2.43M · loan HK$3.65M · min. income ≈ HK$39,018/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$143,024 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,410
−HK$1,217/mo
▼ 0.25% · 3.875%
HK$20,014
−HK$613/mo
Today · 4.125%
HK$20,627
baseline
▲ 0.50% · 4.625%
HK$21,883
+HK$1,256/mo
Deposit HK$1.82M · loan HK$4.26M · min. income ≈ HK$41,254/mo (50% DSR)
Upfront cash ≈ HK$1.97M (deposit + AVD stamp duty HK$143,024 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,594
−HK$1,166/mo
▼ 0.25% · 3.875%
HK$22,173
−HK$587/mo
Today · 4.125%
HK$22,760
baseline
▲ 0.50% · 4.625%
HK$23,960
+HK$1,200/mo
Deposit HK$1.82M · loan HK$4.26M · min. income ≈ HK$45,520/mo (50% DSR)
Upfront cash ≈ HK$1.97M (deposit + AVD stamp duty HK$143,024 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,956
−HK$1,565/mo
▼ 0.25% · 3.875%
HK$25,732
−HK$789/mo
Today · 4.125%
HK$26,521
baseline
▲ 0.50% · 4.625%
HK$28,135
+HK$1,614/mo
Deposit HK$608K · loan HK$5.47M · min. income ≈ HK$53,042/mo (50% DSR)
Upfront cash ≈ HK$751K (deposit + AVD stamp duty HK$143,024 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,763
−HK$1,500/mo
▼ 0.25% · 3.875%
HK$28,508
−HK$755/mo
Today · 4.125%
HK$29,263
baseline
▲ 0.50% · 4.625%
HK$30,806
+HK$1,543/mo
Deposit HK$608K · loan HK$5.47M · min. income ≈ HK$58,526/mo (50% DSR)
Upfront cash ≈ HK$751K (deposit + AVD stamp duty HK$143,024 · 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).