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$13,975
−HK$876/mo
▼ 0.25% · 3.875%
HK$14,409
−HK$442/mo
Today · 4.125%
HK$14,851
baseline
▲ 0.50% · 4.625%
HK$15,754
+HK$903/mo
Deposit HK$3.06M · loan HK$3.06M · min. income ≈ HK$29,702/mo (50% DSR)
Upfront cash ≈ HK$3.21M (deposit + AVD stamp duty HK$147,849 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,547
−HK$839/mo
▼ 0.25% · 3.875%
HK$15,963
−HK$423/mo
Today · 4.125%
HK$16,386
baseline
▲ 0.50% · 4.625%
HK$17,250
+HK$864/mo
Deposit HK$3.06M · loan HK$3.06M · min. income ≈ HK$32,772/mo (50% DSR)
Upfront cash ≈ HK$3.21M (deposit + AVD stamp duty HK$147,849 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,769
−HK$1,052/mo
▼ 0.25% · 3.875%
HK$17,291
−HK$530/mo
Today · 4.125%
HK$17,821
baseline
▲ 0.50% · 4.625%
HK$18,905
+HK$1,084/mo
Deposit HK$2.45M · loan HK$3.68M · min. income ≈ HK$35,642/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$147,849 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,656
−HK$1,008/mo
▼ 0.25% · 3.875%
HK$19,156
−HK$508/mo
Today · 4.125%
HK$19,664
baseline
▲ 0.50% · 4.625%
HK$20,700
+HK$1,036/mo
Deposit HK$2.45M · loan HK$3.68M · min. income ≈ HK$39,328/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$147,849 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,564
−HK$1,227/mo
▼ 0.25% · 3.875%
HK$20,173
−HK$618/mo
Today · 4.125%
HK$20,791
baseline
▲ 0.50% · 4.625%
HK$22,056
+HK$1,265/mo
Deposit HK$1.84M · loan HK$4.29M · min. income ≈ HK$41,582/mo (50% DSR)
Upfront cash ≈ HK$1.99M (deposit + AVD stamp duty HK$147,849 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,765
−HK$1,176/mo
▼ 0.25% · 3.875%
HK$22,349
−HK$592/mo
Today · 4.125%
HK$22,941
baseline
▲ 0.50% · 4.625%
HK$24,150
+HK$1,209/mo
Deposit HK$1.84M · loan HK$4.29M · min. income ≈ HK$45,882/mo (50% DSR)
Upfront cash ≈ HK$1.99M (deposit + AVD stamp duty HK$147,849 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,154
−HK$1,578/mo
▼ 0.25% · 3.875%
HK$25,937
−HK$795/mo
Today · 4.125%
HK$26,732
baseline
▲ 0.50% · 4.625%
HK$28,358
+HK$1,626/mo
Deposit HK$613K · loan HK$5.52M · min. income ≈ HK$53,464/mo (50% DSR)
Upfront cash ≈ HK$761K (deposit + AVD stamp duty HK$147,849 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,984
−HK$1,512/mo
▼ 0.25% · 3.875%
HK$28,734
−HK$762/mo
Today · 4.125%
HK$29,496
baseline
▲ 0.50% · 4.625%
HK$31,050
+HK$1,554/mo
Deposit HK$613K · loan HK$5.52M · min. income ≈ HK$58,992/mo (50% DSR)
Upfront cash ≈ HK$761K (deposit + AVD stamp duty HK$147,849 · 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).