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$13,966
−HK$876/mo
▼ 0.25% · 3.875%
HK$14,400
−HK$442/mo
Today · 4.125%
HK$14,842
baseline
▲ 0.50% · 4.625%
HK$15,745
+HK$903/mo
Deposit HK$3.06M · loan HK$3.06M · min. income ≈ HK$29,684/mo (50% DSR)
Upfront cash ≈ HK$3.21M (deposit + AVD stamp duty HK$147,467 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,537
−HK$839/mo
▼ 0.25% · 3.875%
HK$15,954
−HK$422/mo
Today · 4.125%
HK$16,376
baseline
▲ 0.50% · 4.625%
HK$17,239
+HK$863/mo
Deposit HK$3.06M · loan HK$3.06M · min. income ≈ HK$32,752/mo (50% DSR)
Upfront cash ≈ HK$3.21M (deposit + AVD stamp duty HK$147,467 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,759
−HK$1,051/mo
▼ 0.25% · 3.875%
HK$17,280
−HK$530/mo
Today · 4.125%
HK$17,810
baseline
▲ 0.50% · 4.625%
HK$18,894
+HK$1,084/mo
Deposit HK$2.45M · loan HK$3.67M · min. income ≈ HK$35,620/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$147,467 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,644
−HK$1,007/mo
▼ 0.25% · 3.875%
HK$19,144
−HK$507/mo
Today · 4.125%
HK$19,651
baseline
▲ 0.50% · 4.625%
HK$20,687
+HK$1,036/mo
Deposit HK$2.45M · loan HK$3.67M · min. income ≈ HK$39,302/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$147,467 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,552
−HK$1,226/mo
▼ 0.25% · 3.875%
HK$20,160
−HK$618/mo
Today · 4.125%
HK$20,778
baseline
▲ 0.50% · 4.625%
HK$22,043
+HK$1,265/mo
Deposit HK$1.84M · loan HK$4.29M · min. income ≈ HK$41,556/mo (50% DSR)
Upfront cash ≈ HK$1.98M (deposit + AVD stamp duty HK$147,467 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,752
−HK$1,175/mo
▼ 0.25% · 3.875%
HK$22,335
−HK$592/mo
Today · 4.125%
HK$22,927
baseline
▲ 0.50% · 4.625%
HK$24,135
+HK$1,208/mo
Deposit HK$1.84M · loan HK$4.29M · min. income ≈ HK$45,854/mo (50% DSR)
Upfront cash ≈ HK$1.98M (deposit + AVD stamp duty HK$147,467 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,138
−HK$1,577/mo
▼ 0.25% · 3.875%
HK$25,920
−HK$795/mo
Today · 4.125%
HK$26,715
baseline
▲ 0.50% · 4.625%
HK$28,340
+HK$1,625/mo
Deposit HK$612K · loan HK$5.51M · min. income ≈ HK$53,430/mo (50% DSR)
Upfront cash ≈ HK$760K (deposit + AVD stamp duty HK$147,467 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,966
−HK$1,511/mo
▼ 0.25% · 3.875%
HK$28,716
−HK$761/mo
Today · 4.125%
HK$29,477
baseline
▲ 0.50% · 4.625%
HK$31,031
+HK$1,554/mo
Deposit HK$612K · loan HK$5.51M · min. income ≈ HK$58,954/mo (50% DSR)
Upfront cash ≈ HK$760K (deposit + AVD stamp duty HK$147,467 · 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).