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$13,998
−HK$877/mo
▼ 0.25% · 3.875%
HK$14,433
−HK$442/mo
Today · 4.125%
HK$14,875
baseline
▲ 0.50% · 4.625%
HK$15,781
+HK$906/mo
Deposit HK$3.07M · loan HK$3.07M · min. income ≈ HK$29,750/mo (50% DSR)
Upfront cash ≈ HK$3.22M (deposit + AVD stamp duty HK$148,864 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,572
−HK$842/mo
▼ 0.25% · 3.875%
HK$15,990
−HK$424/mo
Today · 4.125%
HK$16,414
baseline
▲ 0.50% · 4.625%
HK$17,279
+HK$865/mo
Deposit HK$3.07M · loan HK$3.07M · min. income ≈ HK$32,828/mo (50% DSR)
Upfront cash ≈ HK$3.22M (deposit + AVD stamp duty HK$148,864 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,797
−HK$1,054/mo
▼ 0.25% · 3.875%
HK$17,320
−HK$531/mo
Today · 4.125%
HK$17,851
baseline
▲ 0.50% · 4.625%
HK$18,937
+HK$1,086/mo
Deposit HK$2.46M · loan HK$3.68M · min. income ≈ HK$35,702/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$148,864 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,687
−HK$1,009/mo
▼ 0.25% · 3.875%
HK$19,188
−HK$508/mo
Today · 4.125%
HK$19,696
baseline
▲ 0.50% · 4.625%
HK$20,735
+HK$1,039/mo
Deposit HK$2.46M · loan HK$3.68M · min. income ≈ HK$39,392/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$148,864 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,597
−HK$1,229/mo
▼ 0.25% · 3.875%
HK$20,206
−HK$620/mo
Today · 4.125%
HK$20,826
baseline
▲ 0.50% · 4.625%
HK$22,093
+HK$1,267/mo
Deposit HK$1.84M · loan HK$4.30M · min. income ≈ HK$41,652/mo (50% DSR)
Upfront cash ≈ HK$1.99M (deposit + AVD stamp duty HK$148,864 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,801
−HK$1,178/mo
▼ 0.25% · 3.875%
HK$22,386
−HK$593/mo
Today · 4.125%
HK$22,979
baseline
▲ 0.50% · 4.625%
HK$24,190
+HK$1,211/mo
Deposit HK$1.84M · loan HK$4.30M · min. income ≈ HK$45,958/mo (50% DSR)
Upfront cash ≈ HK$1.99M (deposit + AVD stamp duty HK$148,864 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,196
−HK$1,580/mo
▼ 0.25% · 3.875%
HK$25,980
−HK$796/mo
Today · 4.125%
HK$26,776
baseline
▲ 0.50% · 4.625%
HK$28,405
+HK$1,629/mo
Deposit HK$614K · loan HK$5.52M · min. income ≈ HK$53,552/mo (50% DSR)
Upfront cash ≈ HK$763K (deposit + AVD stamp duty HK$148,864 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,030
−HK$1,514/mo
▼ 0.25% · 3.875%
HK$28,782
−HK$762/mo
Today · 4.125%
HK$29,544
baseline
▲ 0.50% · 4.625%
HK$31,102
+HK$1,558/mo
Deposit HK$614K · loan HK$5.52M · min. income ≈ HK$59,088/mo (50% DSR)
Upfront cash ≈ HK$763K (deposit + AVD stamp duty HK$148,864 · 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).