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$13,873
−HK$870/mo
▼ 0.25% · 3.875%
HK$14,304
−HK$439/mo
Today · 4.125%
HK$14,743
baseline
▲ 0.50% · 4.625%
HK$15,640
+HK$897/mo
Deposit HK$3.04M · loan HK$3.04M · min. income ≈ HK$29,486/mo (50% DSR)
Upfront cash ≈ HK$3.19M (deposit + AVD stamp duty HK$143,380 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,433
−HK$834/mo
▼ 0.25% · 3.875%
HK$15,847
−HK$420/mo
Today · 4.125%
HK$16,267
baseline
▲ 0.50% · 4.625%
HK$17,124
+HK$857/mo
Deposit HK$3.04M · loan HK$3.04M · min. income ≈ HK$32,534/mo (50% DSR)
Upfront cash ≈ HK$3.19M (deposit + AVD stamp duty HK$143,380 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,647
−HK$1,044/mo
▼ 0.25% · 3.875%
HK$17,165
−HK$526/mo
Today · 4.125%
HK$17,691
baseline
▲ 0.50% · 4.625%
HK$18,768
+HK$1,077/mo
Deposit HK$2.43M · loan HK$3.65M · min. income ≈ HK$35,382/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$143,380 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,520
−HK$1,000/mo
▼ 0.25% · 3.875%
HK$19,016
−HK$504/mo
Today · 4.125%
HK$19,520
baseline
▲ 0.50% · 4.625%
HK$20,549
+HK$1,029/mo
Deposit HK$2.43M · loan HK$3.65M · min. income ≈ HK$39,040/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$143,380 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,422
−HK$1,218/mo
▼ 0.25% · 3.875%
HK$20,026
−HK$614/mo
Today · 4.125%
HK$20,640
baseline
▲ 0.50% · 4.625%
HK$21,895
+HK$1,255/mo
Deposit HK$1.83M · loan HK$4.26M · min. income ≈ HK$41,280/mo (50% DSR)
Upfront cash ≈ HK$1.97M (deposit + AVD stamp duty HK$143,380 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,606
−HK$1,168/mo
▼ 0.25% · 3.875%
HK$22,186
−HK$588/mo
Today · 4.125%
HK$22,774
baseline
▲ 0.50% · 4.625%
HK$23,974
+HK$1,200/mo
Deposit HK$1.83M · loan HK$4.26M · min. income ≈ HK$45,548/mo (50% DSR)
Upfront cash ≈ HK$1.97M (deposit + AVD stamp duty HK$143,380 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,971
−HK$1,566/mo
▼ 0.25% · 3.875%
HK$25,747
−HK$790/mo
Today · 4.125%
HK$26,537
baseline
▲ 0.50% · 4.625%
HK$28,151
+HK$1,614/mo
Deposit HK$608K · loan HK$5.48M · min. income ≈ HK$53,074/mo (50% DSR)
Upfront cash ≈ HK$752K (deposit + AVD stamp duty HK$143,380 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,780
−HK$1,500/mo
▼ 0.25% · 3.875%
HK$28,525
−HK$755/mo
Today · 4.125%
HK$29,280
baseline
▲ 0.50% · 4.625%
HK$30,824
+HK$1,544/mo
Deposit HK$608K · loan HK$5.48M · min. income ≈ HK$58,560/mo (50% DSR)
Upfront cash ≈ HK$752K (deposit + AVD stamp duty HK$143,380 · 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).