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$13,857
−HK$869/mo
▼ 0.25% · 3.875%
HK$14,288
−HK$438/mo
Today · 4.125%
HK$14,726
baseline
▲ 0.50% · 4.625%
HK$15,622
+HK$896/mo
Deposit HK$3.04M · loan HK$3.04M · min. income ≈ HK$29,452/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$142,698 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,416
−HK$833/mo
▼ 0.25% · 3.875%
HK$15,829
−HK$420/mo
Today · 4.125%
HK$16,249
baseline
▲ 0.50% · 4.625%
HK$17,105
+HK$856/mo
Deposit HK$3.04M · loan HK$3.04M · min. income ≈ HK$32,498/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$142,698 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,628
−HK$1,043/mo
▼ 0.25% · 3.875%
HK$17,146
−HK$525/mo
Today · 4.125%
HK$17,671
baseline
▲ 0.50% · 4.625%
HK$18,746
+HK$1,075/mo
Deposit HK$2.43M · loan HK$3.65M · min. income ≈ HK$35,342/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$142,698 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,499
−HK$999/mo
▼ 0.25% · 3.875%
HK$18,995
−HK$503/mo
Today · 4.125%
HK$19,498
baseline
▲ 0.50% · 4.625%
HK$20,526
+HK$1,028/mo
Deposit HK$2.43M · loan HK$3.65M · min. income ≈ HK$38,996/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$142,698 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,400
−HK$1,216/mo
▼ 0.25% · 3.875%
HK$20,003
−HK$613/mo
Today · 4.125%
HK$20,616
baseline
▲ 0.50% · 4.625%
HK$21,871
+HK$1,255/mo
Deposit HK$1.82M · loan HK$4.25M · min. income ≈ HK$41,232/mo (50% DSR)
Upfront cash ≈ HK$1.97M (deposit + AVD stamp duty HK$142,698 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,582
−HK$1,166/mo
▼ 0.25% · 3.875%
HK$22,161
−HK$587/mo
Today · 4.125%
HK$22,748
baseline
▲ 0.50% · 4.625%
HK$23,947
+HK$1,199/mo
Deposit HK$1.82M · loan HK$4.25M · min. income ≈ HK$45,496/mo (50% DSR)
Upfront cash ≈ HK$1.97M (deposit + AVD stamp duty HK$142,698 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,943
−HK$1,564/mo
▼ 0.25% · 3.875%
HK$25,719
−HK$788/mo
Today · 4.125%
HK$26,507
baseline
▲ 0.50% · 4.625%
HK$28,120
+HK$1,613/mo
Deposit HK$608K · loan HK$5.47M · min. income ≈ HK$53,014/mo (50% DSR)
Upfront cash ≈ HK$750K (deposit + AVD stamp duty HK$142,698 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,749
−HK$1,499/mo
▼ 0.25% · 3.875%
HK$28,493
−HK$755/mo
Today · 4.125%
HK$29,248
baseline
▲ 0.50% · 4.625%
HK$30,789
+HK$1,541/mo
Deposit HK$608K · loan HK$5.47M · min. income ≈ HK$58,496/mo (50% DSR)
Upfront cash ≈ HK$750K (deposit + AVD stamp duty HK$142,698 · 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).