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$13,879
−HK$870/mo
▼ 0.25% · 3.875%
HK$14,310
−HK$439/mo
Today · 4.125%
HK$14,749
baseline
▲ 0.50% · 4.625%
HK$15,646
+HK$897/mo
Deposit HK$3.04M · loan HK$3.04M · min. income ≈ HK$29,498/mo (50% DSR)
Upfront cash ≈ HK$3.19M (deposit + AVD stamp duty HK$143,645 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,440
−HK$834/mo
▼ 0.25% · 3.875%
HK$15,854
−HK$420/mo
Today · 4.125%
HK$16,274
baseline
▲ 0.50% · 4.625%
HK$17,132
+HK$858/mo
Deposit HK$3.04M · loan HK$3.04M · min. income ≈ HK$32,548/mo (50% DSR)
Upfront cash ≈ HK$3.19M (deposit + AVD stamp duty HK$143,645 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,654
−HK$1,045/mo
▼ 0.25% · 3.875%
HK$17,172
−HK$527/mo
Today · 4.125%
HK$17,699
baseline
▲ 0.50% · 4.625%
HK$18,776
+HK$1,077/mo
Deposit HK$2.43M · loan HK$3.65M · min. income ≈ HK$35,398/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$143,645 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,528
−HK$1,001/mo
▼ 0.25% · 3.875%
HK$19,025
−HK$504/mo
Today · 4.125%
HK$19,529
baseline
▲ 0.50% · 4.625%
HK$20,558
+HK$1,029/mo
Deposit HK$2.43M · loan HK$3.65M · min. income ≈ HK$39,058/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$143,645 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,430
−HK$1,219/mo
▼ 0.25% · 3.875%
HK$20,035
−HK$614/mo
Today · 4.125%
HK$20,649
baseline
▲ 0.50% · 4.625%
HK$21,905
+HK$1,256/mo
Deposit HK$1.83M · loan HK$4.26M · min. income ≈ HK$41,298/mo (50% DSR)
Upfront cash ≈ HK$1.97M (deposit + AVD stamp duty HK$143,645 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,616
−HK$1,168/mo
▼ 0.25% · 3.875%
HK$22,196
−HK$588/mo
Today · 4.125%
HK$22,784
baseline
▲ 0.50% · 4.625%
HK$23,985
+HK$1,201/mo
Deposit HK$1.83M · loan HK$4.26M · min. income ≈ HK$45,568/mo (50% DSR)
Upfront cash ≈ HK$1.97M (deposit + AVD stamp duty HK$143,645 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,982
−HK$1,566/mo
▼ 0.25% · 3.875%
HK$25,759
−HK$789/mo
Today · 4.125%
HK$26,548
baseline
▲ 0.50% · 4.625%
HK$28,164
+HK$1,616/mo
Deposit HK$609K · loan HK$5.48M · min. income ≈ HK$53,096/mo (50% DSR)
Upfront cash ≈ HK$752K (deposit + AVD stamp duty HK$143,645 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,792
−HK$1,501/mo
▼ 0.25% · 3.875%
HK$28,537
−HK$756/mo
Today · 4.125%
HK$29,293
baseline
▲ 0.50% · 4.625%
HK$30,837
+HK$1,544/mo
Deposit HK$609K · loan HK$5.48M · min. income ≈ HK$58,586/mo (50% DSR)
Upfront cash ≈ HK$752K (deposit + AVD stamp duty HK$143,645 · 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).