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$13,910
−HK$872/mo
▼ 0.25% · 3.875%
HK$14,342
−HK$440/mo
Today · 4.125%
HK$14,782
baseline
▲ 0.50% · 4.625%
HK$15,681
+HK$899/mo
Deposit HK$3.05M · loan HK$3.05M · min. income ≈ HK$29,564/mo (50% DSR)
Upfront cash ≈ HK$3.20M (deposit + AVD stamp duty HK$145,007 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,474
−HK$836/mo
▼ 0.25% · 3.875%
HK$15,889
−HK$421/mo
Today · 4.125%
HK$16,310
baseline
▲ 0.50% · 4.625%
HK$17,170
+HK$860/mo
Deposit HK$3.05M · loan HK$3.05M · min. income ≈ HK$32,620/mo (50% DSR)
Upfront cash ≈ HK$3.20M (deposit + AVD stamp duty HK$145,007 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,692
−HK$1,046/mo
▼ 0.25% · 3.875%
HK$17,211
−HK$527/mo
Today · 4.125%
HK$17,738
baseline
▲ 0.50% · 4.625%
HK$18,818
+HK$1,080/mo
Deposit HK$2.44M · loan HK$3.66M · min. income ≈ HK$35,476/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$145,007 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,569
−HK$1,004/mo
▼ 0.25% · 3.875%
HK$19,067
−HK$506/mo
Today · 4.125%
HK$19,573
baseline
▲ 0.50% · 4.625%
HK$20,604
+HK$1,031/mo
Deposit HK$2.44M · loan HK$3.66M · min. income ≈ HK$39,146/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$145,007 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,474
−HK$1,221/mo
▼ 0.25% · 3.875%
HK$20,079
−HK$616/mo
Today · 4.125%
HK$20,695
baseline
▲ 0.50% · 4.625%
HK$21,954
+HK$1,259/mo
Deposit HK$1.83M · loan HK$4.27M · min. income ≈ HK$41,390/mo (50% DSR)
Upfront cash ≈ HK$1.98M (deposit + AVD stamp duty HK$145,007 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,664
−HK$1,171/mo
▼ 0.25% · 3.875%
HK$22,245
−HK$590/mo
Today · 4.125%
HK$22,835
baseline
▲ 0.50% · 4.625%
HK$24,038
+HK$1,203/mo
Deposit HK$1.83M · loan HK$4.27M · min. income ≈ HK$45,670/mo (50% DSR)
Upfront cash ≈ HK$1.98M (deposit + AVD stamp duty HK$145,007 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,037
−HK$1,571/mo
▼ 0.25% · 3.875%
HK$25,816
−HK$792/mo
Today · 4.125%
HK$26,608
baseline
▲ 0.50% · 4.625%
HK$28,227
+HK$1,619/mo
Deposit HK$610K · loan HK$5.49M · min. income ≈ HK$53,216/mo (50% DSR)
Upfront cash ≈ HK$755K (deposit + AVD stamp duty HK$145,007 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,854
−HK$1,505/mo
▼ 0.25% · 3.875%
HK$28,601
−HK$758/mo
Today · 4.125%
HK$29,359
baseline
▲ 0.50% · 4.625%
HK$30,906
+HK$1,547/mo
Deposit HK$610K · loan HK$5.49M · min. income ≈ HK$58,718/mo (50% DSR)
Upfront cash ≈ HK$755K (deposit + AVD stamp duty HK$145,007 · 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).