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$13,949
−HK$875/mo
▼ 0.25% · 3.875%
HK$14,383
−HK$441/mo
Today · 4.125%
HK$14,824
baseline
▲ 0.50% · 4.625%
HK$15,726
+HK$902/mo
Deposit HK$3.06M · loan HK$3.06M · min. income ≈ HK$29,648/mo (50% DSR)
Upfront cash ≈ HK$3.21M (deposit + AVD stamp duty HK$146,729 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,518
−HK$838/mo
▼ 0.25% · 3.875%
HK$15,934
−HK$422/mo
Today · 4.125%
HK$16,356
baseline
▲ 0.50% · 4.625%
HK$17,219
+HK$863/mo
Deposit HK$3.06M · loan HK$3.06M · min. income ≈ HK$32,712/mo (50% DSR)
Upfront cash ≈ HK$3.21M (deposit + AVD stamp duty HK$146,729 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,739
−HK$1,049/mo
▼ 0.25% · 3.875%
HK$17,259
−HK$529/mo
Today · 4.125%
HK$17,788
baseline
▲ 0.50% · 4.625%
HK$18,871
+HK$1,083/mo
Deposit HK$2.45M · loan HK$3.67M · min. income ≈ HK$35,576/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$146,729 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,622
−HK$1,006/mo
▼ 0.25% · 3.875%
HK$19,121
−HK$507/mo
Today · 4.125%
HK$19,628
baseline
▲ 0.50% · 4.625%
HK$20,662
+HK$1,034/mo
Deposit HK$2.45M · loan HK$3.67M · min. income ≈ HK$39,256/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$146,729 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,529
−HK$1,224/mo
▼ 0.25% · 3.875%
HK$20,136
−HK$617/mo
Today · 4.125%
HK$20,753
baseline
▲ 0.50% · 4.625%
HK$22,016
+HK$1,263/mo
Deposit HK$1.84M · loan HK$4.28M · min. income ≈ HK$41,506/mo (50% DSR)
Upfront cash ≈ HK$1.98M (deposit + AVD stamp duty HK$146,729 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,725
−HK$1,174/mo
▼ 0.25% · 3.875%
HK$22,308
−HK$591/mo
Today · 4.125%
HK$22,899
baseline
▲ 0.50% · 4.625%
HK$24,106
+HK$1,207/mo
Deposit HK$1.84M · loan HK$4.28M · min. income ≈ HK$45,798/mo (50% DSR)
Upfront cash ≈ HK$1.98M (deposit + AVD stamp duty HK$146,729 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,108
−HK$1,575/mo
▼ 0.25% · 3.875%
HK$25,889
−HK$794/mo
Today · 4.125%
HK$26,683
baseline
▲ 0.50% · 4.625%
HK$28,306
+HK$1,623/mo
Deposit HK$612K · loan HK$5.51M · min. income ≈ HK$53,366/mo (50% DSR)
Upfront cash ≈ HK$758K (deposit + AVD stamp duty HK$146,729 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,933
−HK$1,509/mo
▼ 0.25% · 3.875%
HK$28,682
−HK$760/mo
Today · 4.125%
HK$29,442
baseline
▲ 0.50% · 4.625%
HK$30,994
+HK$1,552/mo
Deposit HK$612K · loan HK$5.51M · min. income ≈ HK$58,884/mo (50% DSR)
Upfront cash ≈ HK$758K (deposit + AVD stamp duty HK$146,729 · 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).