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$13,970
−HK$876/mo
▼ 0.25% · 3.875%
HK$14,405
−HK$441/mo
Today · 4.125%
HK$14,846
baseline
▲ 0.50% · 4.625%
HK$15,750
+HK$904/mo
Deposit HK$3.06M · loan HK$3.06M · min. income ≈ HK$29,692/mo (50% DSR)
Upfront cash ≈ HK$3.21M (deposit + AVD stamp duty HK$147,662 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,542
−HK$839/mo
▼ 0.25% · 3.875%
HK$15,959
−HK$422/mo
Today · 4.125%
HK$16,381
baseline
▲ 0.50% · 4.625%
HK$17,245
+HK$864/mo
Deposit HK$3.06M · loan HK$3.06M · min. income ≈ HK$32,762/mo (50% DSR)
Upfront cash ≈ HK$3.21M (deposit + AVD stamp duty HK$147,662 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,764
−HK$1,052/mo
▼ 0.25% · 3.875%
HK$17,286
−HK$530/mo
Today · 4.125%
HK$17,816
baseline
▲ 0.50% · 4.625%
HK$18,900
+HK$1,084/mo
Deposit HK$2.45M · loan HK$3.68M · min. income ≈ HK$35,632/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$147,662 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,650
−HK$1,008/mo
▼ 0.25% · 3.875%
HK$19,150
−HK$508/mo
Today · 4.125%
HK$19,658
baseline
▲ 0.50% · 4.625%
HK$20,694
+HK$1,036/mo
Deposit HK$2.45M · loan HK$3.68M · min. income ≈ HK$39,316/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$147,662 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,558
−HK$1,227/mo
▼ 0.25% · 3.875%
HK$20,167
−HK$618/mo
Today · 4.125%
HK$20,785
baseline
▲ 0.50% · 4.625%
HK$22,050
+HK$1,265/mo
Deposit HK$1.84M · loan HK$4.29M · min. income ≈ HK$41,570/mo (50% DSR)
Upfront cash ≈ HK$1.99M (deposit + AVD stamp duty HK$147,662 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,758
−HK$1,176/mo
▼ 0.25% · 3.875%
HK$22,342
−HK$592/mo
Today · 4.125%
HK$22,934
baseline
▲ 0.50% · 4.625%
HK$24,143
+HK$1,209/mo
Deposit HK$1.84M · loan HK$4.29M · min. income ≈ HK$45,868/mo (50% DSR)
Upfront cash ≈ HK$1.99M (deposit + AVD stamp duty HK$147,662 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,146
−HK$1,577/mo
▼ 0.25% · 3.875%
HK$25,929
−HK$794/mo
Today · 4.125%
HK$26,723
baseline
▲ 0.50% · 4.625%
HK$28,349
+HK$1,626/mo
Deposit HK$613K · loan HK$5.51M · min. income ≈ HK$53,446/mo (50% DSR)
Upfront cash ≈ HK$760K (deposit + AVD stamp duty HK$147,662 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,975
−HK$1,512/mo
▼ 0.25% · 3.875%
HK$28,725
−HK$762/mo
Today · 4.125%
HK$29,487
baseline
▲ 0.50% · 4.625%
HK$31,041
+HK$1,554/mo
Deposit HK$613K · loan HK$5.51M · min. income ≈ HK$58,974/mo (50% DSR)
Upfront cash ≈ HK$760K (deposit + AVD stamp duty HK$147,662 · 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).