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$13,984
−HK$877/mo
▼ 0.25% · 3.875%
HK$14,419
−HK$442/mo
Today · 4.125%
HK$14,861
baseline
▲ 0.50% · 4.625%
HK$15,765
+HK$904/mo
Deposit HK$3.07M · loan HK$3.07M · min. income ≈ HK$29,722/mo (50% DSR)
Upfront cash ≈ HK$3.21M (deposit + AVD stamp duty HK$148,261 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,557
−HK$840/mo
▼ 0.25% · 3.875%
HK$15,974
−HK$423/mo
Today · 4.125%
HK$16,397
baseline
▲ 0.50% · 4.625%
HK$17,262
+HK$865/mo
Deposit HK$3.07M · loan HK$3.07M · min. income ≈ HK$32,794/mo (50% DSR)
Upfront cash ≈ HK$3.21M (deposit + AVD stamp duty HK$148,261 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,781
−HK$1,052/mo
▼ 0.25% · 3.875%
HK$17,303
−HK$530/mo
Today · 4.125%
HK$17,833
baseline
▲ 0.50% · 4.625%
HK$18,918
+HK$1,085/mo
Deposit HK$2.45M · loan HK$3.68M · min. income ≈ HK$35,666/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$148,261 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,668
−HK$1,009/mo
▼ 0.25% · 3.875%
HK$19,169
−HK$508/mo
Today · 4.125%
HK$19,677
baseline
▲ 0.50% · 4.625%
HK$20,714
+HK$1,037/mo
Deposit HK$2.45M · loan HK$3.68M · min. income ≈ HK$39,354/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$148,261 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,577
−HK$1,228/mo
▼ 0.25% · 3.875%
HK$20,186
−HK$619/mo
Today · 4.125%
HK$20,805
baseline
▲ 0.50% · 4.625%
HK$22,071
+HK$1,266/mo
Deposit HK$1.84M · loan HK$4.29M · min. income ≈ HK$41,610/mo (50% DSR)
Upfront cash ≈ HK$1.99M (deposit + AVD stamp duty HK$148,261 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,780
−HK$1,176/mo
▼ 0.25% · 3.875%
HK$22,364
−HK$592/mo
Today · 4.125%
HK$22,956
baseline
▲ 0.50% · 4.625%
HK$24,167
+HK$1,211/mo
Deposit HK$1.84M · loan HK$4.29M · min. income ≈ HK$45,912/mo (50% DSR)
Upfront cash ≈ HK$1.99M (deposit + AVD stamp duty HK$148,261 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,171
−HK$1,578/mo
▼ 0.25% · 3.875%
HK$25,954
−HK$795/mo
Today · 4.125%
HK$26,749
baseline
▲ 0.50% · 4.625%
HK$28,377
+HK$1,628/mo
Deposit HK$613K · loan HK$5.52M · min. income ≈ HK$53,498/mo (50% DSR)
Upfront cash ≈ HK$762K (deposit + AVD stamp duty HK$148,261 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,003
−HK$1,512/mo
▼ 0.25% · 3.875%
HK$28,754
−HK$761/mo
Today · 4.125%
HK$29,515
baseline
▲ 0.50% · 4.625%
HK$31,071
+HK$1,556/mo
Deposit HK$613K · loan HK$5.52M · min. income ≈ HK$59,030/mo (50% DSR)
Upfront cash ≈ HK$762K (deposit + AVD stamp duty HK$148,261 · 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).