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$871/mo
▼ 0.25% · 3.875%
HK$14,318
−HK$439/mo
Today · 4.125%
HK$14,757
baseline
▲ 0.50% · 4.625%
HK$15,655
+HK$898/mo
Deposit HK$3.04M · loan HK$3.04M · min. income ≈ HK$29,514/mo (50% DSR)
Upfront cash ≈ HK$3.19M (deposit + AVD stamp duty HK$143,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,448
−HK$835/mo
▼ 0.25% · 3.875%
HK$15,862
−HK$421/mo
Today · 4.125%
HK$16,283
baseline
▲ 0.50% · 4.625%
HK$17,141
+HK$858/mo
Deposit HK$3.04M · loan HK$3.04M · min. income ≈ HK$32,566/mo (50% DSR)
Upfront cash ≈ HK$3.19M (deposit + AVD stamp duty HK$143,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,663
−HK$1,045/mo
▼ 0.25% · 3.875%
HK$17,182
−HK$526/mo
Today · 4.125%
HK$17,708
baseline
▲ 0.50% · 4.625%
HK$18,786
+HK$1,078/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$143,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,538
−HK$1,001/mo
▼ 0.25% · 3.875%
HK$19,035
−HK$504/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$143,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,441
−HK$1,219/mo
▼ 0.25% · 3.875%
HK$20,045
−HK$615/mo
Today · 4.125%
HK$20,660
baseline
▲ 0.50% · 4.625%
HK$21,917
+HK$1,257/mo
Deposit HK$1.83M · loan HK$4.26M · min. income ≈ HK$41,320/mo (50% DSR)
Upfront cash ≈ HK$1.97M (deposit + AVD stamp duty HK$143,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,627
−HK$1,169/mo
▼ 0.25% · 3.875%
HK$22,207
−HK$589/mo
Today · 4.125%
HK$22,796
baseline
▲ 0.50% · 4.625%
HK$23,998
+HK$1,202/mo
Deposit HK$1.83M · loan HK$4.26M · min. income ≈ HK$45,592/mo (50% DSR)
Upfront cash ≈ HK$1.97M (deposit + AVD stamp duty HK$143,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,995
−HK$1,567/mo
▼ 0.25% · 3.875%
HK$25,773
−HK$789/mo
Today · 4.125%
HK$26,562
baseline
▲ 0.50% · 4.625%
HK$28,179
+HK$1,617/mo
Deposit HK$609K · loan HK$5.48M · min. income ≈ HK$53,124/mo (50% DSR)
Upfront cash ≈ HK$753K (deposit + AVD stamp duty HK$143,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,807
−HK$1,502/mo
▼ 0.25% · 3.875%
HK$28,552
−HK$757/mo
Today · 4.125%
HK$29,309
baseline
▲ 0.50% · 4.625%
HK$30,854
+HK$1,545/mo
Deposit HK$609K · loan HK$5.48M · min. income ≈ HK$58,618/mo (50% DSR)
Upfront cash ≈ HK$753K (deposit + AVD stamp duty HK$143,973 · 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).