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$13,862
−HK$869/mo
▼ 0.25% · 3.875%
HK$14,293
−HK$438/mo
Today · 4.125%
HK$14,731
baseline
▲ 0.50% · 4.625%
HK$15,628
+HK$897/mo
Deposit HK$3.04M · loan HK$3.04M · min. income ≈ HK$29,462/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$142,913 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,421
−HK$833/mo
▼ 0.25% · 3.875%
HK$15,835
−HK$419/mo
Today · 4.125%
HK$16,254
baseline
▲ 0.50% · 4.625%
HK$17,111
+HK$857/mo
Deposit HK$3.04M · loan HK$3.04M · min. income ≈ HK$32,508/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$142,913 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,634
−HK$1,043/mo
▼ 0.25% · 3.875%
HK$17,152
−HK$525/mo
Today · 4.125%
HK$17,677
baseline
▲ 0.50% · 4.625%
HK$18,753
+HK$1,076/mo
Deposit HK$2.43M · loan HK$3.65M · min. income ≈ HK$35,354/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$142,913 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,506
−HK$999/mo
▼ 0.25% · 3.875%
HK$19,002
−HK$503/mo
Today · 4.125%
HK$19,505
baseline
▲ 0.50% · 4.625%
HK$20,534
+HK$1,029/mo
Deposit HK$2.43M · loan HK$3.65M · min. income ≈ HK$39,010/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$142,913 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,407
−HK$1,217/mo
▼ 0.25% · 3.875%
HK$20,010
−HK$614/mo
Today · 4.125%
HK$20,624
baseline
▲ 0.50% · 4.625%
HK$21,879
+HK$1,255/mo
Deposit HK$1.82M · loan HK$4.26M · min. income ≈ HK$41,248/mo (50% DSR)
Upfront cash ≈ HK$1.97M (deposit + AVD stamp duty HK$142,913 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,590
−HK$1,166/mo
▼ 0.25% · 3.875%
HK$22,169
−HK$587/mo
Today · 4.125%
HK$22,756
baseline
▲ 0.50% · 4.625%
HK$23,956
+HK$1,200/mo
Deposit HK$1.82M · loan HK$4.26M · min. income ≈ HK$45,512/mo (50% DSR)
Upfront cash ≈ HK$1.97M (deposit + AVD stamp duty HK$142,913 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,952
−HK$1,564/mo
▼ 0.25% · 3.875%
HK$25,728
−HK$788/mo
Today · 4.125%
HK$26,516
baseline
▲ 0.50% · 4.625%
HK$28,130
+HK$1,614/mo
Deposit HK$608K · loan HK$5.47M · min. income ≈ HK$53,032/mo (50% DSR)
Upfront cash ≈ HK$751K (deposit + AVD stamp duty HK$142,913 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,758
−HK$1,500/mo
▼ 0.25% · 3.875%
HK$28,503
−HK$755/mo
Today · 4.125%
HK$29,258
baseline
▲ 0.50% · 4.625%
HK$30,800
+HK$1,542/mo
Deposit HK$608K · loan HK$5.47M · min. income ≈ HK$58,516/mo (50% DSR)
Upfront cash ≈ HK$751K (deposit + AVD stamp duty HK$142,913 · 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).