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$13,898
−HK$871/mo
▼ 0.25% · 3.875%
HK$14,330
−HK$439/mo
Today · 4.125%
HK$14,769
baseline
▲ 0.50% · 4.625%
HK$15,668
+HK$899/mo
Deposit HK$3.05M · loan HK$3.05M · min. income ≈ HK$29,538/mo (50% DSR)
Upfront cash ≈ HK$3.19M (deposit + AVD stamp duty HK$144,484 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,461
−HK$835/mo
▼ 0.25% · 3.875%
HK$15,876
−HK$420/mo
Today · 4.125%
HK$16,296
baseline
▲ 0.50% · 4.625%
HK$17,155
+HK$859/mo
Deposit HK$3.05M · loan HK$3.05M · min. income ≈ HK$32,592/mo (50% DSR)
Upfront cash ≈ HK$3.19M (deposit + AVD stamp duty HK$144,484 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,677
−HK$1,046/mo
▼ 0.25% · 3.875%
HK$17,196
−HK$527/mo
Today · 4.125%
HK$17,723
baseline
▲ 0.50% · 4.625%
HK$18,802
+HK$1,079/mo
Deposit HK$2.44M · loan HK$3.66M · min. income ≈ HK$35,446/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$144,484 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,553
−HK$1,003/mo
▼ 0.25% · 3.875%
HK$19,051
−HK$505/mo
Today · 4.125%
HK$19,556
baseline
▲ 0.50% · 4.625%
HK$20,587
+HK$1,031/mo
Deposit HK$2.44M · loan HK$3.66M · min. income ≈ HK$39,112/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$144,484 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,457
−HK$1,220/mo
▼ 0.25% · 3.875%
HK$20,062
−HK$615/mo
Today · 4.125%
HK$20,677
baseline
▲ 0.50% · 4.625%
HK$21,935
+HK$1,258/mo
Deposit HK$1.83M · loan HK$4.27M · min. income ≈ HK$41,354/mo (50% DSR)
Upfront cash ≈ HK$1.97M (deposit + AVD stamp duty HK$144,484 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,646
−HK$1,169/mo
▼ 0.25% · 3.875%
HK$22,226
−HK$589/mo
Today · 4.125%
HK$22,815
baseline
▲ 0.50% · 4.625%
HK$24,018
+HK$1,203/mo
Deposit HK$1.83M · loan HK$4.27M · min. income ≈ HK$45,630/mo (50% DSR)
Upfront cash ≈ HK$1.97M (deposit + AVD stamp duty HK$144,484 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,016
−HK$1,569/mo
▼ 0.25% · 3.875%
HK$25,794
−HK$791/mo
Today · 4.125%
HK$26,585
baseline
▲ 0.50% · 4.625%
HK$28,202
+HK$1,617/mo
Deposit HK$609K · loan HK$5.49M · min. income ≈ HK$53,170/mo (50% DSR)
Upfront cash ≈ HK$754K (deposit + AVD stamp duty HK$144,484 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,830
−HK$1,504/mo
▼ 0.25% · 3.875%
HK$28,576
−HK$758/mo
Today · 4.125%
HK$29,334
baseline
▲ 0.50% · 4.625%
HK$30,880
+HK$1,546/mo
Deposit HK$609K · loan HK$5.49M · min. income ≈ HK$58,668/mo (50% DSR)
Upfront cash ≈ HK$754K (deposit + AVD stamp duty HK$144,484 · 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).