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$13,886
−HK$870/mo
▼ 0.25% · 3.875%
HK$14,318
−HK$438/mo
Today · 4.125%
HK$14,756
baseline
▲ 0.50% · 4.625%
HK$15,654
+HK$898/mo
Deposit HK$3.04M · loan HK$3.04M · min. income ≈ HK$29,512/mo (50% DSR)
Upfront cash ≈ HK$3.19M (deposit + AVD stamp duty HK$143,951 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,448
−HK$834/mo
▼ 0.25% · 3.875%
HK$15,862
−HK$420/mo
Today · 4.125%
HK$16,282
baseline
▲ 0.50% · 4.625%
HK$17,140
+HK$858/mo
Deposit HK$3.04M · loan HK$3.04M · min. income ≈ HK$32,564/mo (50% DSR)
Upfront cash ≈ HK$3.19M (deposit + AVD stamp duty HK$143,951 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,663
−HK$1,045/mo
▼ 0.25% · 3.875%
HK$17,181
−HK$527/mo
Today · 4.125%
HK$17,708
baseline
▲ 0.50% · 4.625%
HK$18,785
+HK$1,077/mo
Deposit HK$2.44M · loan HK$3.65M · min. income ≈ HK$35,416/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$143,951 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,537
−HK$1,002/mo
▼ 0.25% · 3.875%
HK$19,034
−HK$505/mo
Today · 4.125%
HK$19,539
baseline
▲ 0.50% · 4.625%
HK$20,569
+HK$1,030/mo
Deposit HK$2.44M · loan HK$3.65M · min. income ≈ HK$39,078/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$143,951 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,440
−HK$1,219/mo
▼ 0.25% · 3.875%
HK$20,045
−HK$614/mo
Today · 4.125%
HK$20,659
baseline
▲ 0.50% · 4.625%
HK$21,916
+HK$1,257/mo
Deposit HK$1.83M · loan HK$4.26M · min. income ≈ HK$41,318/mo (50% DSR)
Upfront cash ≈ HK$1.97M (deposit + AVD stamp duty HK$143,951 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,627
−HK$1,168/mo
▼ 0.25% · 3.875%
HK$22,207
−HK$588/mo
Today · 4.125%
HK$22,795
baseline
▲ 0.50% · 4.625%
HK$23,997
+HK$1,202/mo
Deposit HK$1.83M · loan HK$4.26M · min. income ≈ HK$45,590/mo (50% DSR)
Upfront cash ≈ HK$1.97M (deposit + AVD stamp duty HK$143,951 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,994
−HK$1,567/mo
▼ 0.25% · 3.875%
HK$25,772
−HK$789/mo
Today · 4.125%
HK$26,561
baseline
▲ 0.50% · 4.625%
HK$28,178
+HK$1,617/mo
Deposit HK$609K · loan HK$5.48M · min. income ≈ HK$53,122/mo (50% DSR)
Upfront cash ≈ HK$753K (deposit + AVD stamp duty HK$143,951 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,806
−HK$1,502/mo
▼ 0.25% · 3.875%
HK$28,551
−HK$757/mo
Today · 4.125%
HK$29,308
baseline
▲ 0.50% · 4.625%
HK$30,853
+HK$1,545/mo
Deposit HK$609K · loan HK$5.48M · min. income ≈ HK$58,616/mo (50% DSR)
Upfront cash ≈ HK$753K (deposit + AVD stamp duty HK$143,951 · 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).