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$13,914
−HK$872/mo
▼ 0.25% · 3.875%
HK$14,346
−HK$440/mo
Today · 4.125%
HK$14,786
baseline
▲ 0.50% · 4.625%
HK$15,686
+HK$900/mo
Deposit HK$3.05M · loan HK$3.05M · min. income ≈ HK$29,572/mo (50% DSR)
Upfront cash ≈ HK$3.20M (deposit + AVD stamp duty HK$145,174 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,479
−HK$836/mo
▼ 0.25% · 3.875%
HK$15,894
−HK$421/mo
Today · 4.125%
HK$16,315
baseline
▲ 0.50% · 4.625%
HK$17,175
+HK$860/mo
Deposit HK$3.05M · loan HK$3.05M · min. income ≈ HK$32,630/mo (50% DSR)
Upfront cash ≈ HK$3.20M (deposit + AVD stamp duty HK$145,174 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,696
−HK$1,047/mo
▼ 0.25% · 3.875%
HK$17,216
−HK$527/mo
Today · 4.125%
HK$17,743
baseline
▲ 0.50% · 4.625%
HK$18,823
+HK$1,080/mo
Deposit HK$2.44M · loan HK$3.66M · min. income ≈ HK$35,486/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$145,174 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,574
−HK$1,004/mo
▼ 0.25% · 3.875%
HK$19,073
−HK$505/mo
Today · 4.125%
HK$19,578
baseline
▲ 0.50% · 4.625%
HK$20,610
+HK$1,032/mo
Deposit HK$2.44M · loan HK$3.66M · min. income ≈ HK$39,156/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$145,174 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,479
−HK$1,221/mo
▼ 0.25% · 3.875%
HK$20,085
−HK$615/mo
Today · 4.125%
HK$20,700
baseline
▲ 0.50% · 4.625%
HK$21,960
+HK$1,260/mo
Deposit HK$1.83M · loan HK$4.27M · min. income ≈ HK$41,400/mo (50% DSR)
Upfront cash ≈ HK$1.98M (deposit + AVD stamp duty HK$145,174 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,670
−HK$1,171/mo
▼ 0.25% · 3.875%
HK$22,251
−HK$590/mo
Today · 4.125%
HK$22,841
baseline
▲ 0.50% · 4.625%
HK$24,045
+HK$1,204/mo
Deposit HK$1.83M · loan HK$4.27M · min. income ≈ HK$45,682/mo (50% DSR)
Upfront cash ≈ HK$1.98M (deposit + AVD stamp duty HK$145,174 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,044
−HK$1,571/mo
▼ 0.25% · 3.875%
HK$25,823
−HK$792/mo
Today · 4.125%
HK$26,615
baseline
▲ 0.50% · 4.625%
HK$28,234
+HK$1,619/mo
Deposit HK$610K · loan HK$5.49M · min. income ≈ HK$53,230/mo (50% DSR)
Upfront cash ≈ HK$755K (deposit + AVD stamp duty HK$145,174 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,862
−HK$1,505/mo
▼ 0.25% · 3.875%
HK$28,609
−HK$758/mo
Today · 4.125%
HK$29,367
baseline
▲ 0.50% · 4.625%
HK$30,915
+HK$1,548/mo
Deposit HK$610K · loan HK$5.49M · min. income ≈ HK$58,734/mo (50% DSR)
Upfront cash ≈ HK$755K (deposit + AVD stamp duty HK$145,174 · 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).