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$13,908
−HK$872/mo
▼ 0.25% · 3.875%
HK$14,340
−HK$440/mo
Today · 4.125%
HK$14,780
baseline
▲ 0.50% · 4.625%
HK$15,679
+HK$899/mo
Deposit HK$3.05M · loan HK$3.05M · min. income ≈ HK$29,560/mo (50% DSR)
Upfront cash ≈ HK$3.19M (deposit + AVD stamp duty HK$144,915 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,472
−HK$836/mo
▼ 0.25% · 3.875%
HK$15,887
−HK$421/mo
Today · 4.125%
HK$16,308
baseline
▲ 0.50% · 4.625%
HK$17,168
+HK$860/mo
Deposit HK$3.05M · loan HK$3.05M · min. income ≈ HK$32,616/mo (50% DSR)
Upfront cash ≈ HK$3.19M (deposit + AVD stamp duty HK$144,915 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,689
−HK$1,047/mo
▼ 0.25% · 3.875%
HK$17,208
−HK$528/mo
Today · 4.125%
HK$17,736
baseline
▲ 0.50% · 4.625%
HK$18,815
+HK$1,079/mo
Deposit HK$2.44M · loan HK$3.66M · min. income ≈ HK$35,472/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$144,915 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,567
−HK$1,003/mo
▼ 0.25% · 3.875%
HK$19,064
−HK$506/mo
Today · 4.125%
HK$19,570
baseline
▲ 0.50% · 4.625%
HK$20,601
+HK$1,031/mo
Deposit HK$2.44M · loan HK$3.66M · min. income ≈ HK$39,140/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$144,915 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,471
−HK$1,221/mo
▼ 0.25% · 3.875%
HK$20,076
−HK$616/mo
Today · 4.125%
HK$20,692
baseline
▲ 0.50% · 4.625%
HK$21,951
+HK$1,259/mo
Deposit HK$1.83M · loan HK$4.27M · min. income ≈ HK$41,384/mo (50% DSR)
Upfront cash ≈ HK$1.97M (deposit + AVD stamp duty HK$144,915 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,661
−HK$1,170/mo
▼ 0.25% · 3.875%
HK$22,242
−HK$589/mo
Today · 4.125%
HK$22,831
baseline
▲ 0.50% · 4.625%
HK$24,035
+HK$1,204/mo
Deposit HK$1.83M · loan HK$4.27M · min. income ≈ HK$45,662/mo (50% DSR)
Upfront cash ≈ HK$1.97M (deposit + AVD stamp duty HK$144,915 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,034
−HK$1,570/mo
▼ 0.25% · 3.875%
HK$25,812
−HK$792/mo
Today · 4.125%
HK$26,604
baseline
▲ 0.50% · 4.625%
HK$28,222
+HK$1,618/mo
Deposit HK$610K · loan HK$5.49M · min. income ≈ HK$53,208/mo (50% DSR)
Upfront cash ≈ HK$755K (deposit + AVD stamp duty HK$144,915 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,850
−HK$1,504/mo
▼ 0.25% · 3.875%
HK$28,597
−HK$757/mo
Today · 4.125%
HK$29,354
baseline
▲ 0.50% · 4.625%
HK$30,902
+HK$1,548/mo
Deposit HK$610K · loan HK$5.49M · min. income ≈ HK$58,708/mo (50% DSR)
Upfront cash ≈ HK$755K (deposit + AVD stamp duty HK$144,915 · 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).