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$13,960
−HK$875/mo
▼ 0.25% · 3.875%
HK$14,394
−HK$441/mo
Today · 4.125%
HK$14,835
baseline
▲ 0.50% · 4.625%
HK$15,738
+HK$903/mo
Deposit HK$3.06M · loan HK$3.06M · min. income ≈ HK$29,670/mo (50% DSR)
Upfront cash ≈ HK$3.21M (deposit + AVD stamp duty HK$147,197 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,530
−HK$839/mo
▼ 0.25% · 3.875%
HK$15,946
−HK$423/mo
Today · 4.125%
HK$16,369
baseline
▲ 0.50% · 4.625%
HK$17,232
+HK$863/mo
Deposit HK$3.06M · loan HK$3.06M · min. income ≈ HK$32,738/mo (50% DSR)
Upfront cash ≈ HK$3.21M (deposit + AVD stamp duty HK$147,197 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,752
−HK$1,050/mo
▼ 0.25% · 3.875%
HK$17,273
−HK$529/mo
Today · 4.125%
HK$17,802
baseline
▲ 0.50% · 4.625%
HK$18,885
+HK$1,083/mo
Deposit HK$2.45M · loan HK$3.67M · min. income ≈ HK$35,604/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$147,197 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,636
−HK$1,007/mo
▼ 0.25% · 3.875%
HK$19,136
−HK$507/mo
Today · 4.125%
HK$19,643
baseline
▲ 0.50% · 4.625%
HK$20,678
+HK$1,035/mo
Deposit HK$2.45M · loan HK$3.67M · min. income ≈ HK$39,286/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$147,197 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,544
−HK$1,225/mo
▼ 0.25% · 3.875%
HK$20,151
−HK$618/mo
Today · 4.125%
HK$20,769
baseline
▲ 0.50% · 4.625%
HK$22,033
+HK$1,264/mo
Deposit HK$1.84M · loan HK$4.29M · min. income ≈ HK$41,538/mo (50% DSR)
Upfront cash ≈ HK$1.98M (deposit + AVD stamp duty HK$147,197 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,742
−HK$1,175/mo
▼ 0.25% · 3.875%
HK$22,325
−HK$592/mo
Today · 4.125%
HK$22,917
baseline
▲ 0.50% · 4.625%
HK$24,125
+HK$1,208/mo
Deposit HK$1.84M · loan HK$4.29M · min. income ≈ HK$45,834/mo (50% DSR)
Upfront cash ≈ HK$1.98M (deposit + AVD stamp duty HK$147,197 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,127
−HK$1,576/mo
▼ 0.25% · 3.875%
HK$25,909
−HK$794/mo
Today · 4.125%
HK$26,703
baseline
▲ 0.50% · 4.625%
HK$28,328
+HK$1,625/mo
Deposit HK$612K · loan HK$5.51M · min. income ≈ HK$53,406/mo (50% DSR)
Upfront cash ≈ HK$759K (deposit + AVD stamp duty HK$147,197 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,954
−HK$1,510/mo
▼ 0.25% · 3.875%
HK$28,704
−HK$760/mo
Today · 4.125%
HK$29,464
baseline
▲ 0.50% · 4.625%
HK$31,017
+HK$1,553/mo
Deposit HK$612K · loan HK$5.51M · min. income ≈ HK$58,928/mo (50% DSR)
Upfront cash ≈ HK$759K (deposit + AVD stamp duty HK$147,197 · 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).