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$13,962
−HK$875/mo
▼ 0.25% · 3.875%
HK$14,396
−HK$441/mo
Today · 4.125%
HK$14,837
baseline
▲ 0.50% · 4.625%
HK$15,740
+HK$903/mo
Deposit HK$3.06M · loan HK$3.06M · min. income ≈ HK$29,674/mo (50% DSR)
Upfront cash ≈ HK$3.21M (deposit + AVD stamp duty HK$147,293 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,532
−HK$840/mo
▼ 0.25% · 3.875%
HK$15,949
−HK$423/mo
Today · 4.125%
HK$16,372
baseline
▲ 0.50% · 4.625%
HK$17,235
+HK$863/mo
Deposit HK$3.06M · loan HK$3.06M · min. income ≈ HK$32,744/mo (50% DSR)
Upfront cash ≈ HK$3.21M (deposit + AVD stamp duty HK$147,293 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,754
−HK$1,051/mo
▼ 0.25% · 3.875%
HK$17,275
−HK$530/mo
Today · 4.125%
HK$17,805
baseline
▲ 0.50% · 4.625%
HK$18,888
+HK$1,083/mo
Deposit HK$2.45M · loan HK$3.67M · min. income ≈ HK$35,610/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$147,293 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,639
−HK$1,007/mo
▼ 0.25% · 3.875%
HK$19,139
−HK$507/mo
Today · 4.125%
HK$19,646
baseline
▲ 0.50% · 4.625%
HK$20,681
+HK$1,035/mo
Deposit HK$2.45M · loan HK$3.67M · min. income ≈ HK$39,292/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$147,293 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,547
−HK$1,225/mo
▼ 0.25% · 3.875%
HK$20,155
−HK$617/mo
Today · 4.125%
HK$20,772
baseline
▲ 0.50% · 4.625%
HK$22,036
+HK$1,264/mo
Deposit HK$1.84M · loan HK$4.29M · min. income ≈ HK$41,544/mo (50% DSR)
Upfront cash ≈ HK$1.98M (deposit + AVD stamp duty HK$147,293 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,745
−HK$1,175/mo
▼ 0.25% · 3.875%
HK$22,329
−HK$591/mo
Today · 4.125%
HK$22,920
baseline
▲ 0.50% · 4.625%
HK$24,128
+HK$1,208/mo
Deposit HK$1.84M · loan HK$4.29M · min. income ≈ HK$45,840/mo (50% DSR)
Upfront cash ≈ HK$1.98M (deposit + AVD stamp duty HK$147,293 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,131
−HK$1,576/mo
▼ 0.25% · 3.875%
HK$25,913
−HK$794/mo
Today · 4.125%
HK$26,707
baseline
▲ 0.50% · 4.625%
HK$28,332
+HK$1,625/mo
Deposit HK$612K · loan HK$5.51M · min. income ≈ HK$53,414/mo (50% DSR)
Upfront cash ≈ HK$760K (deposit + AVD stamp duty HK$147,293 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,958
−HK$1,511/mo
▼ 0.25% · 3.875%
HK$28,708
−HK$761/mo
Today · 4.125%
HK$29,469
baseline
▲ 0.50% · 4.625%
HK$31,022
+HK$1,553/mo
Deposit HK$612K · loan HK$5.51M · min. income ≈ HK$58,938/mo (50% DSR)
Upfront cash ≈ HK$760K (deposit + AVD stamp duty HK$147,293 · 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).