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$13,996
−HK$878/mo
▼ 0.25% · 3.875%
HK$14,431
−HK$443/mo
Today · 4.125%
HK$14,874
baseline
▲ 0.50% · 4.625%
HK$15,779
+HK$905/mo
Deposit HK$3.07M · loan HK$3.07M · min. income ≈ HK$29,748/mo (50% DSR)
Upfront cash ≈ HK$3.22M (deposit + AVD stamp duty HK$148,789 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,570
−HK$842/mo
▼ 0.25% · 3.875%
HK$15,988
−HK$424/mo
Today · 4.125%
HK$16,412
baseline
▲ 0.50% · 4.625%
HK$17,277
+HK$865/mo
Deposit HK$3.07M · loan HK$3.07M · min. income ≈ HK$32,824/mo (50% DSR)
Upfront cash ≈ HK$3.22M (deposit + AVD stamp duty HK$148,789 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,795
−HK$1,053/mo
▼ 0.25% · 3.875%
HK$17,318
−HK$530/mo
Today · 4.125%
HK$17,848
baseline
▲ 0.50% · 4.625%
HK$18,934
+HK$1,086/mo
Deposit HK$2.46M · loan HK$3.68M · min. income ≈ HK$35,696/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$148,789 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,684
−HK$1,010/mo
▼ 0.25% · 3.875%
HK$19,186
−HK$508/mo
Today · 4.125%
HK$19,694
baseline
▲ 0.50% · 4.625%
HK$20,732
+HK$1,038/mo
Deposit HK$2.46M · loan HK$3.68M · min. income ≈ HK$39,388/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$148,789 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,594
−HK$1,229/mo
▼ 0.25% · 3.875%
HK$20,204
−HK$619/mo
Today · 4.125%
HK$20,823
baseline
▲ 0.50% · 4.625%
HK$22,090
+HK$1,267/mo
Deposit HK$1.84M · loan HK$4.30M · min. income ≈ HK$41,646/mo (50% DSR)
Upfront cash ≈ HK$1.99M (deposit + AVD stamp duty HK$148,789 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,799
−HK$1,177/mo
▼ 0.25% · 3.875%
HK$22,383
−HK$593/mo
Today · 4.125%
HK$22,976
baseline
▲ 0.50% · 4.625%
HK$24,187
+HK$1,211/mo
Deposit HK$1.84M · loan HK$4.30M · min. income ≈ HK$45,952/mo (50% DSR)
Upfront cash ≈ HK$1.99M (deposit + AVD stamp duty HK$148,789 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,193
−HK$1,580/mo
▼ 0.25% · 3.875%
HK$25,976
−HK$797/mo
Today · 4.125%
HK$26,773
baseline
▲ 0.50% · 4.625%
HK$28,402
+HK$1,629/mo
Deposit HK$614K · loan HK$5.52M · min. income ≈ HK$53,546/mo (50% DSR)
Upfront cash ≈ HK$763K (deposit + AVD stamp duty HK$148,789 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,027
−HK$1,514/mo
▼ 0.25% · 3.875%
HK$28,778
−HK$763/mo
Today · 4.125%
HK$29,541
baseline
▲ 0.50% · 4.625%
HK$31,098
+HK$1,557/mo
Deposit HK$614K · loan HK$5.52M · min. income ≈ HK$59,082/mo (50% DSR)
Upfront cash ≈ HK$763K (deposit + AVD stamp duty HK$148,789 · 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).