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$13,960
−HK$876/mo
▼ 0.25% · 3.875%
HK$14,395
−HK$441/mo
Today · 4.125%
HK$14,836
baseline
▲ 0.50% · 4.625%
HK$15,739
+HK$903/mo
Deposit HK$3.06M · loan HK$3.06M · min. income ≈ HK$29,672/mo (50% DSR)
Upfront cash ≈ HK$3.21M (deposit + AVD stamp duty HK$147,234 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,531
−HK$839/mo
▼ 0.25% · 3.875%
HK$15,947
−HK$423/mo
Today · 4.125%
HK$16,370
baseline
▲ 0.50% · 4.625%
HK$17,233
+HK$863/mo
Deposit HK$3.06M · loan HK$3.06M · min. income ≈ HK$32,740/mo (50% DSR)
Upfront cash ≈ HK$3.21M (deposit + AVD stamp duty HK$147,234 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,753
−HK$1,050/mo
▼ 0.25% · 3.875%
HK$17,274
−HK$529/mo
Today · 4.125%
HK$17,803
baseline
▲ 0.50% · 4.625%
HK$18,886
+HK$1,083/mo
Deposit HK$2.45M · loan HK$3.67M · min. income ≈ HK$35,606/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$147,234 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,637
−HK$1,007/mo
▼ 0.25% · 3.875%
HK$19,137
−HK$507/mo
Today · 4.125%
HK$19,644
baseline
▲ 0.50% · 4.625%
HK$20,679
+HK$1,035/mo
Deposit HK$2.45M · loan HK$3.67M · min. income ≈ HK$39,288/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$147,234 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,545
−HK$1,225/mo
▼ 0.25% · 3.875%
HK$20,153
−HK$617/mo
Today · 4.125%
HK$20,770
baseline
▲ 0.50% · 4.625%
HK$22,034
+HK$1,264/mo
Deposit HK$1.84M · loan HK$4.29M · min. income ≈ HK$41,540/mo (50% DSR)
Upfront cash ≈ HK$1.98M (deposit + AVD stamp duty HK$147,234 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,743
−HK$1,175/mo
▼ 0.25% · 3.875%
HK$22,326
−HK$592/mo
Today · 4.125%
HK$22,918
baseline
▲ 0.50% · 4.625%
HK$24,126
+HK$1,208/mo
Deposit HK$1.84M · loan HK$4.29M · min. income ≈ HK$45,836/mo (50% DSR)
Upfront cash ≈ HK$1.98M (deposit + AVD stamp duty HK$147,234 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,129
−HK$1,576/mo
▼ 0.25% · 3.875%
HK$25,911
−HK$794/mo
Today · 4.125%
HK$26,705
baseline
▲ 0.50% · 4.625%
HK$28,330
+HK$1,625/mo
Deposit HK$612K · loan HK$5.51M · min. income ≈ HK$53,410/mo (50% DSR)
Upfront cash ≈ HK$759K (deposit + AVD stamp duty HK$147,234 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,956
−HK$1,510/mo
▼ 0.25% · 3.875%
HK$28,705
−HK$761/mo
Today · 4.125%
HK$29,466
baseline
▲ 0.50% · 4.625%
HK$31,019
+HK$1,553/mo
Deposit HK$612K · loan HK$5.51M · min. income ≈ HK$58,932/mo (50% DSR)
Upfront cash ≈ HK$759K (deposit + AVD stamp duty HK$147,234 · 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).