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$13,901
−HK$872/mo
▼ 0.25% · 3.875%
HK$14,333
−HK$440/mo
Today · 4.125%
HK$14,773
baseline
▲ 0.50% · 4.625%
HK$15,672
+HK$899/mo
Deposit HK$3.05M · loan HK$3.05M · min. income ≈ HK$29,546/mo (50% DSR)
Upfront cash ≈ HK$3.19M (deposit + AVD stamp duty HK$144,621 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,465
−HK$835/mo
▼ 0.25% · 3.875%
HK$15,879
−HK$421/mo
Today · 4.125%
HK$16,300
baseline
▲ 0.50% · 4.625%
HK$17,159
+HK$859/mo
Deposit HK$3.05M · loan HK$3.05M · min. income ≈ HK$32,600/mo (50% DSR)
Upfront cash ≈ HK$3.19M (deposit + AVD stamp duty HK$144,621 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,681
−HK$1,046/mo
▼ 0.25% · 3.875%
HK$17,200
−HK$527/mo
Today · 4.125%
HK$17,727
baseline
▲ 0.50% · 4.625%
HK$18,806
+HK$1,079/mo
Deposit HK$2.44M · loan HK$3.66M · min. income ≈ HK$35,454/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$144,621 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,558
−HK$1,002/mo
▼ 0.25% · 3.875%
HK$19,055
−HK$505/mo
Today · 4.125%
HK$19,560
baseline
▲ 0.50% · 4.625%
HK$20,591
+HK$1,031/mo
Deposit HK$2.44M · loan HK$3.66M · min. income ≈ HK$39,120/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$144,621 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,461
−HK$1,221/mo
▼ 0.25% · 3.875%
HK$20,067
−HK$615/mo
Today · 4.125%
HK$20,682
baseline
▲ 0.50% · 4.625%
HK$21,940
+HK$1,258/mo
Deposit HK$1.83M · loan HK$4.27M · min. income ≈ HK$41,364/mo (50% DSR)
Upfront cash ≈ HK$1.97M (deposit + AVD stamp duty HK$144,621 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,650
−HK$1,170/mo
▼ 0.25% · 3.875%
HK$22,231
−HK$589/mo
Today · 4.125%
HK$22,820
baseline
▲ 0.50% · 4.625%
HK$24,023
+HK$1,203/mo
Deposit HK$1.83M · loan HK$4.27M · min. income ≈ HK$45,640/mo (50% DSR)
Upfront cash ≈ HK$1.97M (deposit + AVD stamp duty HK$144,621 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,022
−HK$1,569/mo
▼ 0.25% · 3.875%
HK$25,800
−HK$791/mo
Today · 4.125%
HK$26,591
baseline
▲ 0.50% · 4.625%
HK$28,209
+HK$1,618/mo
Deposit HK$610K · loan HK$5.49M · min. income ≈ HK$53,182/mo (50% DSR)
Upfront cash ≈ HK$754K (deposit + AVD stamp duty HK$144,621 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,836
−HK$1,504/mo
▼ 0.25% · 3.875%
HK$28,583
−HK$757/mo
Today · 4.125%
HK$29,340
baseline
▲ 0.50% · 4.625%
HK$30,887
+HK$1,547/mo
Deposit HK$610K · loan HK$5.49M · min. income ≈ HK$58,680/mo (50% DSR)
Upfront cash ≈ HK$754K (deposit + AVD stamp duty HK$144,621 · 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).