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$13,974
−HK$877/mo
▼ 0.25% · 3.875%
HK$14,409
−HK$442/mo
Today · 4.125%
HK$14,851
baseline
▲ 0.50% · 4.625%
HK$15,754
+HK$903/mo
Deposit HK$3.06M · loan HK$3.06M · min. income ≈ HK$29,702/mo (50% DSR)
Upfront cash ≈ HK$3.21M (deposit + AVD stamp duty HK$147,839 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,546
−HK$840/mo
▼ 0.25% · 3.875%
HK$15,963
−HK$423/mo
Today · 4.125%
HK$16,386
baseline
▲ 0.50% · 4.625%
HK$17,250
+HK$864/mo
Deposit HK$3.06M · loan HK$3.06M · min. income ≈ HK$32,772/mo (50% DSR)
Upfront cash ≈ HK$3.21M (deposit + AVD stamp duty HK$147,839 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,769
−HK$1,052/mo
▼ 0.25% · 3.875%
HK$17,291
−HK$530/mo
Today · 4.125%
HK$17,821
baseline
▲ 0.50% · 4.625%
HK$18,905
+HK$1,084/mo
Deposit HK$2.45M · loan HK$3.68M · min. income ≈ HK$35,642/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$147,839 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,655
−HK$1,008/mo
▼ 0.25% · 3.875%
HK$19,156
−HK$507/mo
Today · 4.125%
HK$19,663
baseline
▲ 0.50% · 4.625%
HK$20,700
+HK$1,037/mo
Deposit HK$2.45M · loan HK$3.68M · min. income ≈ HK$39,326/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$147,839 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,564
−HK$1,227/mo
▼ 0.25% · 3.875%
HK$20,173
−HK$618/mo
Today · 4.125%
HK$20,791
baseline
▲ 0.50% · 4.625%
HK$22,056
+HK$1,265/mo
Deposit HK$1.84M · loan HK$4.29M · min. income ≈ HK$41,582/mo (50% DSR)
Upfront cash ≈ HK$1.99M (deposit + AVD stamp duty HK$147,839 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,765
−HK$1,176/mo
▼ 0.25% · 3.875%
HK$22,348
−HK$593/mo
Today · 4.125%
HK$22,941
baseline
▲ 0.50% · 4.625%
HK$24,150
+HK$1,209/mo
Deposit HK$1.84M · loan HK$4.29M · min. income ≈ HK$45,882/mo (50% DSR)
Upfront cash ≈ HK$1.99M (deposit + AVD stamp duty HK$147,839 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,154
−HK$1,577/mo
▼ 0.25% · 3.875%
HK$25,936
−HK$795/mo
Today · 4.125%
HK$26,731
baseline
▲ 0.50% · 4.625%
HK$28,358
+HK$1,627/mo
Deposit HK$613K · loan HK$5.52M · min. income ≈ HK$53,462/mo (50% DSR)
Upfront cash ≈ HK$761K (deposit + AVD stamp duty HK$147,839 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,983
−HK$1,512/mo
▼ 0.25% · 3.875%
HK$28,734
−HK$761/mo
Today · 4.125%
HK$29,495
baseline
▲ 0.50% · 4.625%
HK$31,050
+HK$1,555/mo
Deposit HK$613K · loan HK$5.52M · min. income ≈ HK$58,990/mo (50% DSR)
Upfront cash ≈ HK$761K (deposit + AVD stamp duty HK$147,839 · 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).