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$13,957
−HK$875/mo
▼ 0.25% · 3.875%
HK$14,391
−HK$441/mo
Today · 4.125%
HK$14,832
baseline
▲ 0.50% · 4.625%
HK$15,735
+HK$903/mo
Deposit HK$3.06M · loan HK$3.06M · min. income ≈ HK$29,664/mo (50% DSR)
Upfront cash ≈ HK$3.21M (deposit + AVD stamp duty HK$147,076 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,527
−HK$839/mo
▼ 0.25% · 3.875%
HK$15,943
−HK$423/mo
Today · 4.125%
HK$16,366
baseline
▲ 0.50% · 4.625%
HK$17,228
+HK$862/mo
Deposit HK$3.06M · loan HK$3.06M · min. income ≈ HK$32,732/mo (50% DSR)
Upfront cash ≈ HK$3.21M (deposit + AVD stamp duty HK$147,076 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,748
−HK$1,051/mo
▼ 0.25% · 3.875%
HK$17,269
−HK$530/mo
Today · 4.125%
HK$17,799
baseline
▲ 0.50% · 4.625%
HK$18,882
+HK$1,083/mo
Deposit HK$2.45M · loan HK$3.67M · min. income ≈ HK$35,598/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$147,076 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,632
−HK$1,007/mo
▼ 0.25% · 3.875%
HK$19,132
−HK$507/mo
Today · 4.125%
HK$19,639
baseline
▲ 0.50% · 4.625%
HK$20,674
+HK$1,035/mo
Deposit HK$2.45M · loan HK$3.67M · min. income ≈ HK$39,278/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$147,076 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,540
−HK$1,225/mo
▼ 0.25% · 3.875%
HK$20,147
−HK$618/mo
Today · 4.125%
HK$20,765
baseline
▲ 0.50% · 4.625%
HK$22,028
+HK$1,263/mo
Deposit HK$1.84M · loan HK$4.28M · min. income ≈ HK$41,530/mo (50% DSR)
Upfront cash ≈ HK$1.98M (deposit + AVD stamp duty HK$147,076 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,738
−HK$1,174/mo
▼ 0.25% · 3.875%
HK$22,321
−HK$591/mo
Today · 4.125%
HK$22,912
baseline
▲ 0.50% · 4.625%
HK$24,120
+HK$1,208/mo
Deposit HK$1.84M · loan HK$4.28M · min. income ≈ HK$45,824/mo (50% DSR)
Upfront cash ≈ HK$1.98M (deposit + AVD stamp duty HK$147,076 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,122
−HK$1,576/mo
▼ 0.25% · 3.875%
HK$25,904
−HK$794/mo
Today · 4.125%
HK$26,698
baseline
▲ 0.50% · 4.625%
HK$28,322
+HK$1,624/mo
Deposit HK$612K · loan HK$5.51M · min. income ≈ HK$53,396/mo (50% DSR)
Upfront cash ≈ HK$759K (deposit + AVD stamp duty HK$147,076 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,948
−HK$1,510/mo
▼ 0.25% · 3.875%
HK$28,698
−HK$760/mo
Today · 4.125%
HK$29,458
baseline
▲ 0.50% · 4.625%
HK$31,011
+HK$1,553/mo
Deposit HK$612K · loan HK$5.51M · min. income ≈ HK$58,916/mo (50% DSR)
Upfront cash ≈ HK$759K (deposit + AVD stamp duty HK$147,076 · 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).