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$13,971
−HK$876/mo
▼ 0.25% · 3.875%
HK$14,405
−HK$442/mo
Today · 4.125%
HK$14,847
baseline
▲ 0.50% · 4.625%
HK$15,750
+HK$903/mo
Deposit HK$3.06M · loan HK$3.06M · min. income ≈ HK$29,694/mo (50% DSR)
Upfront cash ≈ HK$3.21M (deposit + AVD stamp duty HK$147,684 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,542
−HK$840/mo
▼ 0.25% · 3.875%
HK$15,959
−HK$423/mo
Today · 4.125%
HK$16,382
baseline
▲ 0.50% · 4.625%
HK$17,246
+HK$864/mo
Deposit HK$3.06M · loan HK$3.06M · min. income ≈ HK$32,764/mo (50% DSR)
Upfront cash ≈ HK$3.21M (deposit + AVD stamp duty HK$147,684 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,765
−HK$1,051/mo
▼ 0.25% · 3.875%
HK$17,286
−HK$530/mo
Today · 4.125%
HK$17,816
baseline
▲ 0.50% · 4.625%
HK$18,900
+HK$1,084/mo
Deposit HK$2.45M · loan HK$3.68M · min. income ≈ HK$35,632/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$147,684 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,651
−HK$1,007/mo
▼ 0.25% · 3.875%
HK$19,151
−HK$507/mo
Today · 4.125%
HK$19,658
baseline
▲ 0.50% · 4.625%
HK$20,695
+HK$1,037/mo
Deposit HK$2.45M · loan HK$3.68M · min. income ≈ HK$39,316/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$147,684 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,559
−HK$1,227/mo
▼ 0.25% · 3.875%
HK$20,167
−HK$619/mo
Today · 4.125%
HK$20,786
baseline
▲ 0.50% · 4.625%
HK$22,050
+HK$1,264/mo
Deposit HK$1.84M · loan HK$4.29M · min. income ≈ HK$41,572/mo (50% DSR)
Upfront cash ≈ HK$1.99M (deposit + AVD stamp duty HK$147,684 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,759
−HK$1,176/mo
▼ 0.25% · 3.875%
HK$22,343
−HK$592/mo
Today · 4.125%
HK$22,935
baseline
▲ 0.50% · 4.625%
HK$24,144
+HK$1,209/mo
Deposit HK$1.84M · loan HK$4.29M · min. income ≈ HK$45,870/mo (50% DSR)
Upfront cash ≈ HK$1.99M (deposit + AVD stamp duty HK$147,684 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,147
−HK$1,577/mo
▼ 0.25% · 3.875%
HK$25,930
−HK$794/mo
Today · 4.125%
HK$26,724
baseline
▲ 0.50% · 4.625%
HK$28,350
+HK$1,626/mo
Deposit HK$613K · loan HK$5.51M · min. income ≈ HK$53,448/mo (50% DSR)
Upfront cash ≈ HK$760K (deposit + AVD stamp duty HK$147,684 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,976
−HK$1,512/mo
▼ 0.25% · 3.875%
HK$28,726
−HK$762/mo
Today · 4.125%
HK$29,488
baseline
▲ 0.50% · 4.625%
HK$31,042
+HK$1,554/mo
Deposit HK$613K · loan HK$5.51M · min. income ≈ HK$58,976/mo (50% DSR)
Upfront cash ≈ HK$760K (deposit + AVD stamp duty HK$147,684 · 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).