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$13,911
−HK$872/mo
▼ 0.25% · 3.875%
HK$14,344
−HK$439/mo
Today · 4.125%
HK$14,783
baseline
▲ 0.50% · 4.625%
HK$15,683
+HK$900/mo
Deposit HK$3.05M · loan HK$3.05M · min. income ≈ HK$29,566/mo (50% DSR)
Upfront cash ≈ HK$3.20M (deposit + AVD stamp duty HK$145,063 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,476
−HK$836/mo
▼ 0.25% · 3.875%
HK$15,891
−HK$421/mo
Today · 4.125%
HK$16,312
baseline
▲ 0.50% · 4.625%
HK$17,172
+HK$860/mo
Deposit HK$3.05M · loan HK$3.05M · min. income ≈ HK$32,624/mo (50% DSR)
Upfront cash ≈ HK$3.20M (deposit + AVD stamp duty HK$145,063 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,693
−HK$1,047/mo
▼ 0.25% · 3.875%
HK$17,212
−HK$528/mo
Today · 4.125%
HK$17,740
baseline
▲ 0.50% · 4.625%
HK$18,819
+HK$1,079/mo
Deposit HK$2.44M · loan HK$3.66M · min. income ≈ HK$35,480/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$145,063 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,571
−HK$1,003/mo
▼ 0.25% · 3.875%
HK$19,069
−HK$505/mo
Today · 4.125%
HK$19,574
baseline
▲ 0.50% · 4.625%
HK$20,606
+HK$1,032/mo
Deposit HK$2.44M · loan HK$3.66M · min. income ≈ HK$39,148/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$145,063 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,475
−HK$1,222/mo
▼ 0.25% · 3.875%
HK$20,081
−HK$616/mo
Today · 4.125%
HK$20,697
baseline
▲ 0.50% · 4.625%
HK$21,956
+HK$1,259/mo
Deposit HK$1.83M · loan HK$4.27M · min. income ≈ HK$41,394/mo (50% DSR)
Upfront cash ≈ HK$1.98M (deposit + AVD stamp duty HK$145,063 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,666
−HK$1,171/mo
▼ 0.25% · 3.875%
HK$22,247
−HK$590/mo
Today · 4.125%
HK$22,837
baseline
▲ 0.50% · 4.625%
HK$24,040
+HK$1,203/mo
Deposit HK$1.83M · loan HK$4.27M · min. income ≈ HK$45,674/mo (50% DSR)
Upfront cash ≈ HK$1.98M (deposit + AVD stamp duty HK$145,063 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,040
−HK$1,570/mo
▼ 0.25% · 3.875%
HK$25,819
−HK$791/mo
Today · 4.125%
HK$26,610
baseline
▲ 0.50% · 4.625%
HK$28,229
+HK$1,619/mo
Deposit HK$610K · loan HK$5.49M · min. income ≈ HK$53,220/mo (50% DSR)
Upfront cash ≈ HK$755K (deposit + AVD stamp duty HK$145,063 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,857
−HK$1,505/mo
▼ 0.25% · 3.875%
HK$28,604
−HK$758/mo
Today · 4.125%
HK$29,362
baseline
▲ 0.50% · 4.625%
HK$30,909
+HK$1,547/mo
Deposit HK$610K · loan HK$5.49M · min. income ≈ HK$58,724/mo (50% DSR)
Upfront cash ≈ HK$755K (deposit + AVD stamp duty HK$145,063 · 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).