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$13,985
−HK$877/mo
▼ 0.25% · 3.875%
HK$14,420
−HK$442/mo
Today · 4.125%
HK$14,862
baseline
▲ 0.50% · 4.625%
HK$15,766
+HK$904/mo
Deposit HK$3.07M · loan HK$3.07M · min. income ≈ HK$29,724/mo (50% DSR)
Upfront cash ≈ HK$3.21M (deposit + AVD stamp duty HK$148,290 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,558
−HK$840/mo
▼ 0.25% · 3.875%
HK$15,975
−HK$423/mo
Today · 4.125%
HK$16,398
baseline
▲ 0.50% · 4.625%
HK$17,263
+HK$865/mo
Deposit HK$3.07M · loan HK$3.07M · min. income ≈ HK$32,796/mo (50% DSR)
Upfront cash ≈ HK$3.21M (deposit + AVD stamp duty HK$148,290 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,781
−HK$1,053/mo
▼ 0.25% · 3.875%
HK$17,303
−HK$531/mo
Today · 4.125%
HK$17,834
baseline
▲ 0.50% · 4.625%
HK$18,919
+HK$1,085/mo
Deposit HK$2.45M · loan HK$3.68M · min. income ≈ HK$35,668/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$148,290 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,669
−HK$1,009/mo
▼ 0.25% · 3.875%
HK$19,170
−HK$508/mo
Today · 4.125%
HK$19,678
baseline
▲ 0.50% · 4.625%
HK$20,715
+HK$1,037/mo
Deposit HK$2.45M · loan HK$3.68M · min. income ≈ HK$39,356/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$148,290 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,578
−HK$1,228/mo
▼ 0.25% · 3.875%
HK$20,187
−HK$619/mo
Today · 4.125%
HK$20,806
baseline
▲ 0.50% · 4.625%
HK$22,072
+HK$1,266/mo
Deposit HK$1.84M · loan HK$4.29M · min. income ≈ HK$41,612/mo (50% DSR)
Upfront cash ≈ HK$1.99M (deposit + AVD stamp duty HK$148,290 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,781
−HK$1,177/mo
▼ 0.25% · 3.875%
HK$22,365
−HK$593/mo
Today · 4.125%
HK$22,958
baseline
▲ 0.50% · 4.625%
HK$24,168
+HK$1,210/mo
Deposit HK$1.84M · loan HK$4.29M · min. income ≈ HK$45,916/mo (50% DSR)
Upfront cash ≈ HK$1.99M (deposit + AVD stamp duty HK$148,290 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,172
−HK$1,579/mo
▼ 0.25% · 3.875%
HK$25,955
−HK$796/mo
Today · 4.125%
HK$26,751
baseline
▲ 0.50% · 4.625%
HK$28,378
+HK$1,627/mo
Deposit HK$613K · loan HK$5.52M · min. income ≈ HK$53,502/mo (50% DSR)
Upfront cash ≈ HK$762K (deposit + AVD stamp duty HK$148,290 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,004
−HK$1,513/mo
▼ 0.25% · 3.875%
HK$28,755
−HK$762/mo
Today · 4.125%
HK$29,517
baseline
▲ 0.50% · 4.625%
HK$31,073
+HK$1,556/mo
Deposit HK$613K · loan HK$5.52M · min. income ≈ HK$59,034/mo (50% DSR)
Upfront cash ≈ HK$762K (deposit + AVD stamp duty HK$148,290 · 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).