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$13,997
−HK$878/mo
▼ 0.25% · 3.875%
HK$14,432
−HK$443/mo
Today · 4.125%
HK$14,875
baseline
▲ 0.50% · 4.625%
HK$15,780
+HK$905/mo
Deposit HK$3.07M · loan HK$3.07M · min. income ≈ HK$29,750/mo (50% DSR)
Upfront cash ≈ HK$3.22M (deposit + AVD stamp duty HK$148,837 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,572
−HK$841/mo
▼ 0.25% · 3.875%
HK$15,989
−HK$424/mo
Today · 4.125%
HK$16,413
baseline
▲ 0.50% · 4.625%
HK$17,278
+HK$865/mo
Deposit HK$3.07M · loan HK$3.07M · min. income ≈ HK$32,826/mo (50% DSR)
Upfront cash ≈ HK$3.22M (deposit + AVD stamp duty HK$148,837 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,796
−HK$1,054/mo
▼ 0.25% · 3.875%
HK$17,319
−HK$531/mo
Today · 4.125%
HK$17,850
baseline
▲ 0.50% · 4.625%
HK$18,936
+HK$1,086/mo
Deposit HK$2.46M · loan HK$3.68M · min. income ≈ HK$35,700/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$148,837 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,686
−HK$1,009/mo
▼ 0.25% · 3.875%
HK$19,187
−HK$508/mo
Today · 4.125%
HK$19,695
baseline
▲ 0.50% · 4.625%
HK$20,734
+HK$1,039/mo
Deposit HK$2.46M · loan HK$3.68M · min. income ≈ HK$39,390/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$148,837 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,596
−HK$1,229/mo
▼ 0.25% · 3.875%
HK$20,205
−HK$620/mo
Today · 4.125%
HK$20,825
baseline
▲ 0.50% · 4.625%
HK$22,092
+HK$1,267/mo
Deposit HK$1.84M · loan HK$4.30M · min. income ≈ HK$41,650/mo (50% DSR)
Upfront cash ≈ HK$1.99M (deposit + AVD stamp duty HK$148,837 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,800
−HK$1,178/mo
▼ 0.25% · 3.875%
HK$22,385
−HK$593/mo
Today · 4.125%
HK$22,978
baseline
▲ 0.50% · 4.625%
HK$24,189
+HK$1,211/mo
Deposit HK$1.84M · loan HK$4.30M · min. income ≈ HK$45,956/mo (50% DSR)
Upfront cash ≈ HK$1.99M (deposit + AVD stamp duty HK$148,837 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,195
−HK$1,580/mo
▼ 0.25% · 3.875%
HK$25,978
−HK$797/mo
Today · 4.125%
HK$26,775
baseline
▲ 0.50% · 4.625%
HK$28,404
+HK$1,629/mo
Deposit HK$614K · loan HK$5.52M · min. income ≈ HK$53,550/mo (50% DSR)
Upfront cash ≈ HK$763K (deposit + AVD stamp duty HK$148,837 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,029
−HK$1,514/mo
▼ 0.25% · 3.875%
HK$28,781
−HK$762/mo
Today · 4.125%
HK$29,543
baseline
▲ 0.50% · 4.625%
HK$31,100
+HK$1,557/mo
Deposit HK$614K · loan HK$5.52M · min. income ≈ HK$59,086/mo (50% DSR)
Upfront cash ≈ HK$763K (deposit + AVD stamp duty HK$148,837 · 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).