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$13,995
−HK$877/mo
▼ 0.25% · 3.875%
HK$14,430
−HK$442/mo
Today · 4.125%
HK$14,872
baseline
▲ 0.50% · 4.625%
HK$15,777
+HK$905/mo
Deposit HK$3.07M · loan HK$3.07M · min. income ≈ HK$29,744/mo (50% DSR)
Upfront cash ≈ HK$3.22M (deposit + AVD stamp duty HK$148,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,569
−HK$841/mo
▼ 0.25% · 3.875%
HK$15,986
−HK$424/mo
Today · 4.125%
HK$16,410
baseline
▲ 0.50% · 4.625%
HK$17,275
+HK$865/mo
Deposit HK$3.07M · loan HK$3.07M · min. income ≈ HK$32,820/mo (50% DSR)
Upfront cash ≈ HK$3.22M (deposit + AVD stamp duty HK$148,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,793
−HK$1,054/mo
▼ 0.25% · 3.875%
HK$17,316
−HK$531/mo
Today · 4.125%
HK$17,847
baseline
▲ 0.50% · 4.625%
HK$18,932
+HK$1,085/mo
Deposit HK$2.45M · loan HK$3.68M · min. income ≈ HK$35,694/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$148,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,683
−HK$1,009/mo
▼ 0.25% · 3.875%
HK$19,184
−HK$508/mo
Today · 4.125%
HK$19,692
baseline
▲ 0.50% · 4.625%
HK$20,730
+HK$1,038/mo
Deposit HK$2.45M · loan HK$3.68M · min. income ≈ HK$39,384/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$148,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,592
−HK$1,229/mo
▼ 0.25% · 3.875%
HK$20,202
−HK$619/mo
Today · 4.125%
HK$20,821
baseline
▲ 0.50% · 4.625%
HK$22,088
+HK$1,267/mo
Deposit HK$1.84M · loan HK$4.30M · min. income ≈ HK$41,642/mo (50% DSR)
Upfront cash ≈ HK$1.99M (deposit + AVD stamp duty HK$148,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,796
−HK$1,178/mo
▼ 0.25% · 3.875%
HK$22,381
−HK$593/mo
Today · 4.125%
HK$22,974
baseline
▲ 0.50% · 4.625%
HK$24,185
+HK$1,211/mo
Deposit HK$1.84M · loan HK$4.30M · min. income ≈ HK$45,948/mo (50% DSR)
Upfront cash ≈ HK$1.99M (deposit + AVD stamp duty HK$148,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,190
−HK$1,580/mo
▼ 0.25% · 3.875%
HK$25,974
−HK$796/mo
Today · 4.125%
HK$26,770
baseline
▲ 0.50% · 4.625%
HK$28,399
+HK$1,629/mo
Deposit HK$614K · loan HK$5.52M · min. income ≈ HK$53,540/mo (50% DSR)
Upfront cash ≈ HK$762K (deposit + AVD stamp duty HK$148,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,024
−HK$1,514/mo
▼ 0.25% · 3.875%
HK$28,775
−HK$763/mo
Today · 4.125%
HK$29,538
baseline
▲ 0.50% · 4.625%
HK$31,095
+HK$1,557/mo
Deposit HK$614K · loan HK$5.52M · min. income ≈ HK$59,076/mo (50% DSR)
Upfront cash ≈ HK$762K (deposit + AVD stamp duty HK$148,726 · 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).