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$13,959
−HK$876/mo
▼ 0.25% · 3.875%
HK$14,393
−HK$442/mo
Today · 4.125%
HK$14,835
baseline
▲ 0.50% · 4.625%
HK$15,737
+HK$902/mo
Deposit HK$3.06M · loan HK$3.06M · min. income ≈ HK$29,670/mo (50% DSR)
Upfront cash ≈ HK$3.21M (deposit + AVD stamp duty HK$147,179 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,530
−HK$839/mo
▼ 0.25% · 3.875%
HK$15,946
−HK$423/mo
Today · 4.125%
HK$16,369
baseline
▲ 0.50% · 4.625%
HK$17,231
+HK$862/mo
Deposit HK$3.06M · loan HK$3.06M · min. income ≈ HK$32,738/mo (50% DSR)
Upfront cash ≈ HK$3.21M (deposit + AVD stamp duty HK$147,179 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,751
−HK$1,051/mo
▼ 0.25% · 3.875%
HK$17,272
−HK$530/mo
Today · 4.125%
HK$17,802
baseline
▲ 0.50% · 4.625%
HK$18,885
+HK$1,083/mo
Deposit HK$2.45M · loan HK$3.67M · min. income ≈ HK$35,604/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$147,179 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,635
−HK$1,007/mo
▼ 0.25% · 3.875%
HK$19,135
−HK$507/mo
Today · 4.125%
HK$19,642
baseline
▲ 0.50% · 4.625%
HK$20,678
+HK$1,036/mo
Deposit HK$2.45M · loan HK$3.67M · min. income ≈ HK$39,284/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$147,179 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,543
−HK$1,225/mo
▼ 0.25% · 3.875%
HK$20,151
−HK$617/mo
Today · 4.125%
HK$20,768
baseline
▲ 0.50% · 4.625%
HK$22,032
+HK$1,264/mo
Deposit HK$1.84M · loan HK$4.29M · min. income ≈ HK$41,536/mo (50% DSR)
Upfront cash ≈ HK$1.98M (deposit + AVD stamp duty HK$147,179 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,741
−HK$1,175/mo
▼ 0.25% · 3.875%
HK$22,324
−HK$592/mo
Today · 4.125%
HK$22,916
baseline
▲ 0.50% · 4.625%
HK$24,124
+HK$1,208/mo
Deposit HK$1.84M · loan HK$4.29M · min. income ≈ HK$45,832/mo (50% DSR)
Upfront cash ≈ HK$1.98M (deposit + AVD stamp duty HK$147,179 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,127
−HK$1,575/mo
▼ 0.25% · 3.875%
HK$25,908
−HK$794/mo
Today · 4.125%
HK$26,702
baseline
▲ 0.50% · 4.625%
HK$28,327
+HK$1,625/mo
Deposit HK$612K · loan HK$5.51M · min. income ≈ HK$53,404/mo (50% DSR)
Upfront cash ≈ HK$759K (deposit + AVD stamp duty HK$147,179 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,953
−HK$1,510/mo
▼ 0.25% · 3.875%
HK$28,703
−HK$760/mo
Today · 4.125%
HK$29,463
baseline
▲ 0.50% · 4.625%
HK$31,016
+HK$1,553/mo
Deposit HK$612K · loan HK$5.51M · min. income ≈ HK$58,926/mo (50% DSR)
Upfront cash ≈ HK$759K (deposit + AVD stamp duty HK$147,179 · 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).