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$13,993
−HK$878/mo
▼ 0.25% · 3.875%
HK$14,429
−HK$442/mo
Today · 4.125%
HK$14,871
baseline
▲ 0.50% · 4.625%
HK$15,776
+HK$905/mo
Deposit HK$3.07M · loan HK$3.07M · min. income ≈ HK$29,742/mo (50% DSR)
Upfront cash ≈ HK$3.22M (deposit + AVD stamp duty HK$148,678 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,568
−HK$841/mo
▼ 0.25% · 3.875%
HK$15,985
−HK$424/mo
Today · 4.125%
HK$16,409
baseline
▲ 0.50% · 4.625%
HK$17,274
+HK$865/mo
Deposit HK$3.07M · loan HK$3.07M · min. income ≈ HK$32,818/mo (50% DSR)
Upfront cash ≈ HK$3.22M (deposit + AVD stamp duty HK$148,678 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,792
−HK$1,053/mo
▼ 0.25% · 3.875%
HK$17,314
−HK$531/mo
Today · 4.125%
HK$17,845
baseline
▲ 0.50% · 4.625%
HK$18,931
+HK$1,086/mo
Deposit HK$2.45M · loan HK$3.68M · min. income ≈ HK$35,690/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$148,678 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,681
−HK$1,009/mo
▼ 0.25% · 3.875%
HK$19,182
−HK$508/mo
Today · 4.125%
HK$19,690
baseline
▲ 0.50% · 4.625%
HK$20,728
+HK$1,038/mo
Deposit HK$2.45M · loan HK$3.68M · min. income ≈ HK$39,380/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$148,678 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,591
−HK$1,228/mo
▼ 0.25% · 3.875%
HK$20,200
−HK$619/mo
Today · 4.125%
HK$20,819
baseline
▲ 0.50% · 4.625%
HK$22,086
+HK$1,267/mo
Deposit HK$1.84M · loan HK$4.30M · min. income ≈ HK$41,638/mo (50% DSR)
Upfront cash ≈ HK$1.99M (deposit + AVD stamp duty HK$148,678 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,795
−HK$1,177/mo
▼ 0.25% · 3.875%
HK$22,379
−HK$593/mo
Today · 4.125%
HK$22,972
baseline
▲ 0.50% · 4.625%
HK$24,183
+HK$1,211/mo
Deposit HK$1.84M · loan HK$4.30M · min. income ≈ HK$45,944/mo (50% DSR)
Upfront cash ≈ HK$1.99M (deposit + AVD stamp duty HK$148,678 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,188
−HK$1,580/mo
▼ 0.25% · 3.875%
HK$25,972
−HK$796/mo
Today · 4.125%
HK$26,768
baseline
▲ 0.50% · 4.625%
HK$28,396
+HK$1,628/mo
Deposit HK$614K · loan HK$5.52M · min. income ≈ HK$53,536/mo (50% DSR)
Upfront cash ≈ HK$762K (deposit + AVD stamp duty HK$148,678 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,022
−HK$1,513/mo
▼ 0.25% · 3.875%
HK$28,773
−HK$762/mo
Today · 4.125%
HK$29,535
baseline
▲ 0.50% · 4.625%
HK$31,092
+HK$1,557/mo
Deposit HK$614K · loan HK$5.52M · min. income ≈ HK$59,070/mo (50% DSR)
Upfront cash ≈ HK$762K (deposit + AVD stamp duty HK$148,678 · 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).