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$14,295
−HK$439/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$143,009 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,424
−HK$833/mo
▼ 0.25% · 3.875%
HK$15,837
−HK$420/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$143,009 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,637
−HK$1,043/mo
▼ 0.25% · 3.875%
HK$17,154
−HK$526/mo
Today · 4.125%
HK$17,680
baseline
▲ 0.50% · 4.625%
HK$18,756
+HK$1,076/mo
Deposit HK$2.43M · loan HK$3.65M · min. income ≈ HK$35,360/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$143,009 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,508
−HK$1,000/mo
▼ 0.25% · 3.875%
HK$19,005
−HK$503/mo
Today · 4.125%
HK$19,508
baseline
▲ 0.50% · 4.625%
HK$20,537
+HK$1,029/mo
Deposit HK$2.43M · loan HK$3.65M · min. income ≈ HK$39,016/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$143,009 · 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$21,882
+HK$1,255/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$143,009 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,593
−HK$1,167/mo
▼ 0.25% · 3.875%
HK$22,172
−HK$588/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$143,009 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,955
−HK$1,565/mo
▼ 0.25% · 3.875%
HK$25,732
−HK$788/mo
Today · 4.125%
HK$26,520
baseline
▲ 0.50% · 4.625%
HK$28,134
+HK$1,614/mo
Deposit HK$608K · loan HK$5.47M · min. income ≈ HK$53,040/mo (50% DSR)
Upfront cash ≈ HK$751K (deposit + AVD stamp duty HK$143,009 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,763
−HK$1,500/mo
▼ 0.25% · 3.875%
HK$28,507
−HK$756/mo
Today · 4.125%
HK$29,263
baseline
▲ 0.50% · 4.625%
HK$30,805
+HK$1,542/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$143,009 · 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).