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$13,999
−HK$878/mo
▼ 0.25% · 3.875%
HK$14,435
−HK$442/mo
Today · 4.125%
HK$14,877
baseline
▲ 0.50% · 4.625%
HK$15,782
+HK$905/mo
Deposit HK$3.07M · loan HK$3.07M · min. income ≈ HK$29,754/mo (50% DSR)
Upfront cash ≈ HK$3.22M (deposit + AVD stamp duty HK$148,930 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,574
−HK$841/mo
▼ 0.25% · 3.875%
HK$15,992
−HK$423/mo
Today · 4.125%
HK$16,415
baseline
▲ 0.50% · 4.625%
HK$17,281
+HK$866/mo
Deposit HK$3.07M · loan HK$3.07M · min. income ≈ HK$32,830/mo (50% DSR)
Upfront cash ≈ HK$3.22M (deposit + AVD stamp duty HK$148,930 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,799
−HK$1,053/mo
▼ 0.25% · 3.875%
HK$17,322
−HK$530/mo
Today · 4.125%
HK$17,852
baseline
▲ 0.50% · 4.625%
HK$18,939
+HK$1,087/mo
Deposit HK$2.46M · loan HK$3.68M · min. income ≈ HK$35,704/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$148,930 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,689
−HK$1,009/mo
▼ 0.25% · 3.875%
HK$19,190
−HK$508/mo
Today · 4.125%
HK$19,698
baseline
▲ 0.50% · 4.625%
HK$20,737
+HK$1,039/mo
Deposit HK$2.46M · loan HK$3.68M · min. income ≈ HK$39,396/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$148,930 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,599
−HK$1,229/mo
▼ 0.25% · 3.875%
HK$20,208
−HK$620/mo
Today · 4.125%
HK$20,828
baseline
▲ 0.50% · 4.625%
HK$22,095
+HK$1,267/mo
Deposit HK$1.84M · loan HK$4.30M · min. income ≈ HK$41,656/mo (50% DSR)
Upfront cash ≈ HK$1.99M (deposit + AVD stamp duty HK$148,930 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,803
−HK$1,178/mo
▼ 0.25% · 3.875%
HK$22,388
−HK$593/mo
Today · 4.125%
HK$22,981
baseline
▲ 0.50% · 4.625%
HK$24,193
+HK$1,212/mo
Deposit HK$1.84M · loan HK$4.30M · min. income ≈ HK$45,962/mo (50% DSR)
Upfront cash ≈ HK$1.99M (deposit + AVD stamp duty HK$148,930 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,198
−HK$1,581/mo
▼ 0.25% · 3.875%
HK$25,982
−HK$797/mo
Today · 4.125%
HK$26,779
baseline
▲ 0.50% · 4.625%
HK$28,408
+HK$1,629/mo
Deposit HK$614K · loan HK$5.53M · min. income ≈ HK$53,558/mo (50% DSR)
Upfront cash ≈ HK$763K (deposit + AVD stamp duty HK$148,930 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,033
−HK$1,515/mo
▼ 0.25% · 3.875%
HK$28,785
−HK$763/mo
Today · 4.125%
HK$29,548
baseline
▲ 0.50% · 4.625%
HK$31,105
+HK$1,557/mo
Deposit HK$614K · loan HK$5.53M · min. income ≈ HK$59,096/mo (50% DSR)
Upfront cash ≈ HK$763K (deposit + AVD stamp duty HK$148,930 · 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).