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$13,990
−HK$878/mo
▼ 0.25% · 3.875%
HK$14,426
−HK$442/mo
Today · 4.125%
HK$14,868
baseline
▲ 0.50% · 4.625%
HK$15,772
+HK$904/mo
Deposit HK$3.07M · loan HK$3.07M · min. income ≈ HK$29,736/mo (50% DSR)
Upfront cash ≈ HK$3.22M (deposit + AVD stamp duty HK$148,548 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,564
−HK$841/mo
▼ 0.25% · 3.875%
HK$15,982
−HK$423/mo
Today · 4.125%
HK$16,405
baseline
▲ 0.50% · 4.625%
HK$17,270
+HK$865/mo
Deposit HK$3.07M · loan HK$3.07M · min. income ≈ HK$32,810/mo (50% DSR)
Upfront cash ≈ HK$3.22M (deposit + AVD stamp duty HK$148,548 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,789
−HK$1,052/mo
▼ 0.25% · 3.875%
HK$17,311
−HK$530/mo
Today · 4.125%
HK$17,841
baseline
▲ 0.50% · 4.625%
HK$18,927
+HK$1,086/mo
Deposit HK$2.45M · loan HK$3.68M · min. income ≈ HK$35,682/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$148,548 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,677
−HK$1,009/mo
▼ 0.25% · 3.875%
HK$19,178
−HK$508/mo
Today · 4.125%
HK$19,686
baseline
▲ 0.50% · 4.625%
HK$20,724
+HK$1,038/mo
Deposit HK$2.45M · loan HK$3.68M · min. income ≈ HK$39,372/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$148,548 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,587
−HK$1,228/mo
▼ 0.25% · 3.875%
HK$20,196
−HK$619/mo
Today · 4.125%
HK$20,815
baseline
▲ 0.50% · 4.625%
HK$22,081
+HK$1,266/mo
Deposit HK$1.84M · loan HK$4.29M · min. income ≈ HK$41,630/mo (50% DSR)
Upfront cash ≈ HK$1.99M (deposit + AVD stamp duty HK$148,548 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,790
−HK$1,177/mo
▼ 0.25% · 3.875%
HK$22,374
−HK$593/mo
Today · 4.125%
HK$22,967
baseline
▲ 0.50% · 4.625%
HK$24,178
+HK$1,211/mo
Deposit HK$1.84M · loan HK$4.29M · min. income ≈ HK$45,934/mo (50% DSR)
Upfront cash ≈ HK$1.99M (deposit + AVD stamp duty HK$148,548 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,183
−HK$1,579/mo
▼ 0.25% · 3.875%
HK$25,966
−HK$796/mo
Today · 4.125%
HK$26,762
baseline
▲ 0.50% · 4.625%
HK$28,390
+HK$1,628/mo
Deposit HK$614K · loan HK$5.52M · min. income ≈ HK$53,524/mo (50% DSR)
Upfront cash ≈ HK$762K (deposit + AVD stamp duty HK$148,548 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,016
−HK$1,513/mo
▼ 0.25% · 3.875%
HK$28,767
−HK$762/mo
Today · 4.125%
HK$29,529
baseline
▲ 0.50% · 4.625%
HK$31,086
+HK$1,557/mo
Deposit HK$614K · loan HK$5.52M · min. income ≈ HK$59,058/mo (50% DSR)
Upfront cash ≈ HK$762K (deposit + AVD stamp duty HK$148,548 · 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).