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$13,963
−HK$875/mo
▼ 0.25% · 3.875%
HK$14,397
−HK$441/mo
Today · 4.125%
HK$14,838
baseline
▲ 0.50% · 4.625%
HK$15,741
+HK$903/mo
Deposit HK$3.06M · loan HK$3.06M · min. income ≈ HK$29,676/mo (50% DSR)
Upfront cash ≈ HK$3.21M (deposit + AVD stamp duty HK$147,337 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,534
−HK$839/mo
▼ 0.25% · 3.875%
HK$15,950
−HK$423/mo
Today · 4.125%
HK$16,373
baseline
▲ 0.50% · 4.625%
HK$17,236
+HK$863/mo
Deposit HK$3.06M · loan HK$3.06M · min. income ≈ HK$32,746/mo (50% DSR)
Upfront cash ≈ HK$3.21M (deposit + AVD stamp duty HK$147,337 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,755
−HK$1,051/mo
▼ 0.25% · 3.875%
HK$17,277
−HK$529/mo
Today · 4.125%
HK$17,806
baseline
▲ 0.50% · 4.625%
HK$18,890
+HK$1,084/mo
Deposit HK$2.45M · loan HK$3.67M · min. income ≈ HK$35,612/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$147,337 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,640
−HK$1,007/mo
▼ 0.25% · 3.875%
HK$19,140
−HK$507/mo
Today · 4.125%
HK$19,647
baseline
▲ 0.50% · 4.625%
HK$20,683
+HK$1,036/mo
Deposit HK$2.45M · loan HK$3.67M · min. income ≈ HK$39,294/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$147,337 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,548
−HK$1,226/mo
▼ 0.25% · 3.875%
HK$20,156
−HK$618/mo
Today · 4.125%
HK$20,774
baseline
▲ 0.50% · 4.625%
HK$22,038
+HK$1,264/mo
Deposit HK$1.84M · loan HK$4.29M · min. income ≈ HK$41,548/mo (50% DSR)
Upfront cash ≈ HK$1.98M (deposit + AVD stamp duty HK$147,337 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,747
−HK$1,175/mo
▼ 0.25% · 3.875%
HK$22,330
−HK$592/mo
Today · 4.125%
HK$22,922
baseline
▲ 0.50% · 4.625%
HK$24,130
+HK$1,208/mo
Deposit HK$1.84M · loan HK$4.29M · min. income ≈ HK$45,844/mo (50% DSR)
Upfront cash ≈ HK$1.98M (deposit + AVD stamp duty HK$147,337 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,133
−HK$1,576/mo
▼ 0.25% · 3.875%
HK$25,915
−HK$794/mo
Today · 4.125%
HK$26,709
baseline
▲ 0.50% · 4.625%
HK$28,334
+HK$1,625/mo
Deposit HK$612K · loan HK$5.51M · min. income ≈ HK$53,418/mo (50% DSR)
Upfront cash ≈ HK$760K (deposit + AVD stamp duty HK$147,337 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,960
−HK$1,511/mo
▼ 0.25% · 3.875%
HK$28,710
−HK$761/mo
Today · 4.125%
HK$29,471
baseline
▲ 0.50% · 4.625%
HK$31,024
+HK$1,553/mo
Deposit HK$612K · loan HK$5.51M · min. income ≈ HK$58,942/mo (50% DSR)
Upfront cash ≈ HK$760K (deposit + AVD stamp duty HK$147,337 · 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).