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$876/mo
▼ 0.25% · 3.875%
HK$14,396
−HK$442/mo
Today · 4.125%
HK$14,838
baseline
▲ 0.50% · 4.625%
HK$15,740
+HK$902/mo
Deposit HK$3.06M · loan HK$3.06M · min. income ≈ HK$29,676/mo (50% DSR)
Upfront cash ≈ HK$3.21M (deposit + AVD stamp duty HK$147,302 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,533
−HK$839/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$147,302 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,754
−HK$1,051/mo
▼ 0.25% · 3.875%
HK$17,276
−HK$529/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$147,302 · 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$20,682
+HK$1,036/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$147,302 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,547
−HK$1,226/mo
▼ 0.25% · 3.875%
HK$20,155
−HK$618/mo
Today · 4.125%
HK$20,773
baseline
▲ 0.50% · 4.625%
HK$22,037
+HK$1,264/mo
Deposit HK$1.84M · loan HK$4.29M · min. income ≈ HK$41,546/mo (50% DSR)
Upfront cash ≈ HK$1.98M (deposit + AVD stamp duty HK$147,302 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,746
−HK$1,175/mo
▼ 0.25% · 3.875%
HK$22,329
−HK$592/mo
Today · 4.125%
HK$22,921
baseline
▲ 0.50% · 4.625%
HK$24,129
+HK$1,208/mo
Deposit HK$1.84M · loan HK$4.29M · min. income ≈ HK$45,842/mo (50% DSR)
Upfront cash ≈ HK$1.98M (deposit + AVD stamp duty HK$147,302 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,132
−HK$1,576/mo
▼ 0.25% · 3.875%
HK$25,913
−HK$795/mo
Today · 4.125%
HK$26,708
baseline
▲ 0.50% · 4.625%
HK$28,333
+HK$1,625/mo
Deposit HK$612K · loan HK$5.51M · min. income ≈ HK$53,416/mo (50% DSR)
Upfront cash ≈ HK$760K (deposit + AVD stamp duty HK$147,302 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,959
−HK$1,510/mo
▼ 0.25% · 3.875%
HK$28,709
−HK$760/mo
Today · 4.125%
HK$29,469
baseline
▲ 0.50% · 4.625%
HK$31,023
+HK$1,554/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$147,302 · 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).