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$13,965
−HK$876/mo
▼ 0.25% · 3.875%
HK$14,399
−HK$442/mo
Today · 4.125%
HK$14,841
baseline
▲ 0.50% · 4.625%
HK$15,744
+HK$903/mo
Deposit HK$3.06M · loan HK$3.06M · min. income ≈ HK$29,682/mo (50% DSR)
Upfront cash ≈ HK$3.21M (deposit + AVD stamp duty HK$147,427 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,536
−HK$839/mo
▼ 0.25% · 3.875%
HK$15,952
−HK$423/mo
Today · 4.125%
HK$16,375
baseline
▲ 0.50% · 4.625%
HK$17,238
+HK$863/mo
Deposit HK$3.06M · loan HK$3.06M · min. income ≈ HK$32,750/mo (50% DSR)
Upfront cash ≈ HK$3.21M (deposit + AVD stamp duty HK$147,427 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,758
−HK$1,051/mo
▼ 0.25% · 3.875%
HK$17,279
−HK$530/mo
Today · 4.125%
HK$17,809
baseline
▲ 0.50% · 4.625%
HK$18,892
+HK$1,083/mo
Deposit HK$2.45M · loan HK$3.67M · min. income ≈ HK$35,618/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$147,427 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,643
−HK$1,007/mo
▼ 0.25% · 3.875%
HK$19,143
−HK$507/mo
Today · 4.125%
HK$19,650
baseline
▲ 0.50% · 4.625%
HK$20,686
+HK$1,036/mo
Deposit HK$2.45M · loan HK$3.67M · min. income ≈ HK$39,300/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$147,427 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,551
−HK$1,226/mo
▼ 0.25% · 3.875%
HK$20,159
−HK$618/mo
Today · 4.125%
HK$20,777
baseline
▲ 0.50% · 4.625%
HK$22,041
+HK$1,264/mo
Deposit HK$1.84M · loan HK$4.29M · min. income ≈ HK$41,554/mo (50% DSR)
Upfront cash ≈ HK$1.98M (deposit + AVD stamp duty HK$147,427 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,750
−HK$1,175/mo
▼ 0.25% · 3.875%
HK$22,333
−HK$592/mo
Today · 4.125%
HK$22,925
baseline
▲ 0.50% · 4.625%
HK$24,134
+HK$1,209/mo
Deposit HK$1.84M · loan HK$4.29M · min. income ≈ HK$45,850/mo (50% DSR)
Upfront cash ≈ HK$1.98M (deposit + AVD stamp duty HK$147,427 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,137
−HK$1,576/mo
▼ 0.25% · 3.875%
HK$25,919
−HK$794/mo
Today · 4.125%
HK$26,713
baseline
▲ 0.50% · 4.625%
HK$28,339
+HK$1,626/mo
Deposit HK$612K · loan HK$5.51M · min. income ≈ HK$53,426/mo (50% DSR)
Upfront cash ≈ HK$760K (deposit + AVD stamp duty HK$147,427 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,964
−HK$1,511/mo
▼ 0.25% · 3.875%
HK$28,714
−HK$761/mo
Today · 4.125%
HK$29,475
baseline
▲ 0.50% · 4.625%
HK$31,029
+HK$1,554/mo
Deposit HK$612K · loan HK$5.51M · min. income ≈ HK$58,950/mo (50% DSR)
Upfront cash ≈ HK$760K (deposit + AVD stamp duty HK$147,427 · 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).