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$13,948
−HK$875/mo
▼ 0.25% · 3.875%
HK$14,382
−HK$441/mo
Today · 4.125%
HK$14,823
baseline
▲ 0.50% · 4.625%
HK$15,724
+HK$901/mo
Deposit HK$3.06M · loan HK$3.06M · min. income ≈ HK$29,646/mo (50% DSR)
Upfront cash ≈ HK$3.21M (deposit + AVD stamp duty HK$146,682 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,517
−HK$838/mo
▼ 0.25% · 3.875%
HK$15,933
−HK$422/mo
Today · 4.125%
HK$16,355
baseline
▲ 0.50% · 4.625%
HK$17,217
+HK$862/mo
Deposit HK$3.06M · loan HK$3.06M · min. income ≈ HK$32,710/mo (50% DSR)
Upfront cash ≈ HK$3.21M (deposit + AVD stamp duty HK$146,682 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,737
−HK$1,050/mo
▼ 0.25% · 3.875%
HK$17,258
−HK$529/mo
Today · 4.125%
HK$17,787
baseline
▲ 0.50% · 4.625%
HK$18,869
+HK$1,082/mo
Deposit HK$2.45M · loan HK$3.67M · min. income ≈ HK$35,574/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$146,682 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,620
−HK$1,006/mo
▼ 0.25% · 3.875%
HK$19,120
−HK$506/mo
Today · 4.125%
HK$19,626
baseline
▲ 0.50% · 4.625%
HK$20,661
+HK$1,035/mo
Deposit HK$2.45M · loan HK$3.67M · min. income ≈ HK$39,252/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$146,682 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,527
−HK$1,225/mo
▼ 0.25% · 3.875%
HK$20,134
−HK$618/mo
Today · 4.125%
HK$20,752
baseline
▲ 0.50% · 4.625%
HK$22,014
+HK$1,262/mo
Deposit HK$1.84M · loan HK$4.28M · min. income ≈ HK$41,504/mo (50% DSR)
Upfront cash ≈ HK$1.98M (deposit + AVD stamp duty HK$146,682 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,724
−HK$1,173/mo
▼ 0.25% · 3.875%
HK$22,306
−HK$591/mo
Today · 4.125%
HK$22,897
baseline
▲ 0.50% · 4.625%
HK$24,104
+HK$1,207/mo
Deposit HK$1.84M · loan HK$4.28M · min. income ≈ HK$45,794/mo (50% DSR)
Upfront cash ≈ HK$1.98M (deposit + AVD stamp duty HK$146,682 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,106
−HK$1,575/mo
▼ 0.25% · 3.875%
HK$25,887
−HK$794/mo
Today · 4.125%
HK$26,681
baseline
▲ 0.50% · 4.625%
HK$28,304
+HK$1,623/mo
Deposit HK$612K · loan HK$5.51M · min. income ≈ HK$53,362/mo (50% DSR)
Upfront cash ≈ HK$758K (deposit + AVD stamp duty HK$146,682 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,930
−HK$1,509/mo
▼ 0.25% · 3.875%
HK$28,680
−HK$759/mo
Today · 4.125%
HK$29,439
baseline
▲ 0.50% · 4.625%
HK$30,991
+HK$1,552/mo
Deposit HK$612K · loan HK$5.51M · min. income ≈ HK$58,878/mo (50% DSR)
Upfront cash ≈ HK$758K (deposit + AVD stamp duty HK$146,682 · 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).