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$13,973
−HK$876/mo
▼ 0.25% · 3.875%
HK$14,408
−HK$441/mo
Today · 4.125%
HK$14,849
baseline
▲ 0.50% · 4.625%
HK$15,753
+HK$904/mo
Deposit HK$3.06M · loan HK$3.06M · min. income ≈ HK$29,698/mo (50% DSR)
Upfront cash ≈ HK$3.21M (deposit + AVD stamp duty HK$147,790 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,545
−HK$840/mo
▼ 0.25% · 3.875%
HK$15,962
−HK$423/mo
Today · 4.125%
HK$16,385
baseline
▲ 0.50% · 4.625%
HK$17,249
+HK$864/mo
Deposit HK$3.06M · loan HK$3.06M · min. income ≈ HK$32,770/mo (50% DSR)
Upfront cash ≈ HK$3.21M (deposit + AVD stamp duty HK$147,790 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,768
−HK$1,051/mo
▼ 0.25% · 3.875%
HK$17,289
−HK$530/mo
Today · 4.125%
HK$17,819
baseline
▲ 0.50% · 4.625%
HK$18,904
+HK$1,085/mo
Deposit HK$2.45M · loan HK$3.68M · min. income ≈ HK$35,638/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$147,790 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,654
−HK$1,008/mo
▼ 0.25% · 3.875%
HK$19,154
−HK$508/mo
Today · 4.125%
HK$19,662
baseline
▲ 0.50% · 4.625%
HK$20,698
+HK$1,036/mo
Deposit HK$2.45M · loan HK$3.68M · min. income ≈ HK$39,324/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$147,790 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,562
−HK$1,227/mo
▼ 0.25% · 3.875%
HK$20,171
−HK$618/mo
Today · 4.125%
HK$20,789
baseline
▲ 0.50% · 4.625%
HK$22,054
+HK$1,265/mo
Deposit HK$1.84M · loan HK$4.29M · min. income ≈ HK$41,578/mo (50% DSR)
Upfront cash ≈ HK$1.99M (deposit + AVD stamp duty HK$147,790 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,763
−HK$1,176/mo
▼ 0.25% · 3.875%
HK$22,347
−HK$592/mo
Today · 4.125%
HK$22,939
baseline
▲ 0.50% · 4.625%
HK$24,148
+HK$1,209/mo
Deposit HK$1.84M · loan HK$4.29M · min. income ≈ HK$45,878/mo (50% DSR)
Upfront cash ≈ HK$1.99M (deposit + AVD stamp duty HK$147,790 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,152
−HK$1,577/mo
▼ 0.25% · 3.875%
HK$25,934
−HK$795/mo
Today · 4.125%
HK$26,729
baseline
▲ 0.50% · 4.625%
HK$28,355
+HK$1,626/mo
Deposit HK$613K · loan HK$5.52M · min. income ≈ HK$53,458/mo (50% DSR)
Upfront cash ≈ HK$761K (deposit + AVD stamp duty HK$147,790 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,981
−HK$1,512/mo
▼ 0.25% · 3.875%
HK$28,731
−HK$762/mo
Today · 4.125%
HK$29,493
baseline
▲ 0.50% · 4.625%
HK$31,047
+HK$1,554/mo
Deposit HK$613K · loan HK$5.52M · min. income ≈ HK$58,986/mo (50% DSR)
Upfront cash ≈ HK$761K (deposit + AVD stamp duty HK$147,790 · 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).