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$13,868
−HK$870/mo
▼ 0.25% · 3.875%
HK$14,299
−HK$439/mo
Today · 4.125%
HK$14,738
baseline
▲ 0.50% · 4.625%
HK$15,634
+HK$896/mo
Deposit HK$3.04M · loan HK$3.04M · min. income ≈ HK$29,476/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$143,181 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,428
−HK$834/mo
▼ 0.25% · 3.875%
HK$15,842
−HK$420/mo
Today · 4.125%
HK$16,262
baseline
▲ 0.50% · 4.625%
HK$17,119
+HK$857/mo
Deposit HK$3.04M · loan HK$3.04M · min. income ≈ HK$32,524/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$143,181 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,642
−HK$1,043/mo
▼ 0.25% · 3.875%
HK$17,159
−HK$526/mo
Today · 4.125%
HK$17,685
baseline
▲ 0.50% · 4.625%
HK$18,761
+HK$1,076/mo
Deposit HK$2.43M · loan HK$3.65M · min. income ≈ HK$35,370/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$143,181 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,514
−HK$1,000/mo
▼ 0.25% · 3.875%
HK$19,010
−HK$504/mo
Today · 4.125%
HK$19,514
baseline
▲ 0.50% · 4.625%
HK$20,543
+HK$1,029/mo
Deposit HK$2.43M · loan HK$3.65M · min. income ≈ HK$39,028/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$143,181 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,415
−HK$1,218/mo
▼ 0.25% · 3.875%
HK$20,019
−HK$614/mo
Today · 4.125%
HK$20,633
baseline
▲ 0.50% · 4.625%
HK$21,888
+HK$1,255/mo
Deposit HK$1.82M · loan HK$4.26M · min. income ≈ HK$41,266/mo (50% DSR)
Upfront cash ≈ HK$1.97M (deposit + AVD stamp duty HK$143,181 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,599
−HK$1,167/mo
▼ 0.25% · 3.875%
HK$22,179
−HK$587/mo
Today · 4.125%
HK$22,766
baseline
▲ 0.50% · 4.625%
HK$23,966
+HK$1,200/mo
Deposit HK$1.82M · loan HK$4.26M · min. income ≈ HK$45,532/mo (50% DSR)
Upfront cash ≈ HK$1.97M (deposit + AVD stamp duty HK$143,181 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,963
−HK$1,565/mo
▼ 0.25% · 3.875%
HK$25,739
−HK$789/mo
Today · 4.125%
HK$26,528
baseline
▲ 0.50% · 4.625%
HK$28,142
+HK$1,614/mo
Deposit HK$608K · loan HK$5.47M · min. income ≈ HK$53,056/mo (50% DSR)
Upfront cash ≈ HK$751K (deposit + AVD stamp duty HK$143,181 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,771
−HK$1,500/mo
▼ 0.25% · 3.875%
HK$28,515
−HK$756/mo
Today · 4.125%
HK$29,271
baseline
▲ 0.50% · 4.625%
HK$30,814
+HK$1,543/mo
Deposit HK$608K · loan HK$5.47M · min. income ≈ HK$58,542/mo (50% DSR)
Upfront cash ≈ HK$751K (deposit + AVD stamp duty HK$143,181 · 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).