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$13,841
−HK$868/mo
▼ 0.25% · 3.875%
HK$14,271
−HK$438/mo
Today · 4.125%
HK$14,709
baseline
▲ 0.50% · 4.625%
HK$15,604
+HK$895/mo
Deposit HK$3.03M · loan HK$3.03M · min. income ≈ HK$29,418/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$141,976 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,398
−HK$831/mo
▼ 0.25% · 3.875%
HK$15,810
−HK$419/mo
Today · 4.125%
HK$16,229
baseline
▲ 0.50% · 4.625%
HK$17,085
+HK$856/mo
Deposit HK$3.03M · loan HK$3.03M · min. income ≈ HK$32,458/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$141,976 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,609
−HK$1,041/mo
▼ 0.25% · 3.875%
HK$17,125
−HK$525/mo
Today · 4.125%
HK$17,650
baseline
▲ 0.50% · 4.625%
HK$18,724
+HK$1,074/mo
Deposit HK$2.43M · loan HK$3.64M · min. income ≈ HK$35,300/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$141,976 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,477
−HK$998/mo
▼ 0.25% · 3.875%
HK$18,973
−HK$502/mo
Today · 4.125%
HK$19,475
baseline
▲ 0.50% · 4.625%
HK$20,502
+HK$1,027/mo
Deposit HK$2.43M · loan HK$3.64M · min. income ≈ HK$38,950/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$141,976 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,377
−HK$1,215/mo
▼ 0.25% · 3.875%
HK$19,980
−HK$612/mo
Today · 4.125%
HK$20,592
baseline
▲ 0.50% · 4.625%
HK$21,845
+HK$1,253/mo
Deposit HK$1.82M · loan HK$4.25M · min. income ≈ HK$41,184/mo (50% DSR)
Upfront cash ≈ HK$1.96M (deposit + AVD stamp duty HK$141,976 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,557
−HK$1,164/mo
▼ 0.25% · 3.875%
HK$22,135
−HK$586/mo
Today · 4.125%
HK$22,721
baseline
▲ 0.50% · 4.625%
HK$23,919
+HK$1,198/mo
Deposit HK$1.82M · loan HK$4.25M · min. income ≈ HK$45,442/mo (50% DSR)
Upfront cash ≈ HK$1.96M (deposit + AVD stamp duty HK$141,976 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,913
−HK$1,562/mo
▼ 0.25% · 3.875%
HK$25,688
−HK$787/mo
Today · 4.125%
HK$26,475
baseline
▲ 0.50% · 4.625%
HK$28,086
+HK$1,611/mo
Deposit HK$607K · loan HK$5.46M · min. income ≈ HK$52,950/mo (50% DSR)
Upfront cash ≈ HK$749K (deposit + AVD stamp duty HK$141,976 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,716
−HK$1,497/mo
▼ 0.25% · 3.875%
HK$28,459
−HK$754/mo
Today · 4.125%
HK$29,213
baseline
▲ 0.50% · 4.625%
HK$30,753
+HK$1,540/mo
Deposit HK$607K · loan HK$5.46M · min. income ≈ HK$58,426/mo (50% DSR)
Upfront cash ≈ HK$749K (deposit + AVD stamp duty HK$141,976 · 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).