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$13,976
−HK$876/mo
▼ 0.25% · 3.875%
HK$14,411
−HK$441/mo
Today · 4.125%
HK$14,852
baseline
▲ 0.50% · 4.625%
HK$15,756
+HK$904/mo
Deposit HK$3.06M · loan HK$3.06M · min. income ≈ HK$29,704/mo (50% DSR)
Upfront cash ≈ HK$3.21M (deposit + AVD stamp duty HK$147,912 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,548
−HK$840/mo
▼ 0.25% · 3.875%
HK$15,965
−HK$423/mo
Today · 4.125%
HK$16,388
baseline
▲ 0.50% · 4.625%
HK$17,252
+HK$864/mo
Deposit HK$3.06M · loan HK$3.06M · min. income ≈ HK$32,776/mo (50% DSR)
Upfront cash ≈ HK$3.21M (deposit + AVD stamp duty HK$147,912 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,771
−HK$1,052/mo
▼ 0.25% · 3.875%
HK$17,293
−HK$530/mo
Today · 4.125%
HK$17,823
baseline
▲ 0.50% · 4.625%
HK$18,907
+HK$1,084/mo
Deposit HK$2.45M · loan HK$3.68M · min. income ≈ HK$35,646/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$147,912 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,658
−HK$1,008/mo
▼ 0.25% · 3.875%
HK$19,158
−HK$508/mo
Today · 4.125%
HK$19,666
baseline
▲ 0.50% · 4.625%
HK$20,702
+HK$1,036/mo
Deposit HK$2.45M · loan HK$3.68M · min. income ≈ HK$39,332/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$147,912 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,566
−HK$1,227/mo
▼ 0.25% · 3.875%
HK$20,175
−HK$618/mo
Today · 4.125%
HK$20,793
baseline
▲ 0.50% · 4.625%
HK$22,059
+HK$1,266/mo
Deposit HK$1.84M · loan HK$4.29M · min. income ≈ HK$41,586/mo (50% DSR)
Upfront cash ≈ HK$1.99M (deposit + AVD stamp duty HK$147,912 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,767
−HK$1,176/mo
▼ 0.25% · 3.875%
HK$22,351
−HK$592/mo
Today · 4.125%
HK$22,943
baseline
▲ 0.50% · 4.625%
HK$24,153
+HK$1,210/mo
Deposit HK$1.84M · loan HK$4.29M · min. income ≈ HK$45,886/mo (50% DSR)
Upfront cash ≈ HK$1.99M (deposit + AVD stamp duty HK$147,912 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,157
−HK$1,577/mo
▼ 0.25% · 3.875%
HK$25,939
−HK$795/mo
Today · 4.125%
HK$26,734
baseline
▲ 0.50% · 4.625%
HK$28,361
+HK$1,627/mo
Deposit HK$613K · loan HK$5.52M · min. income ≈ HK$53,468/mo (50% DSR)
Upfront cash ≈ HK$761K (deposit + AVD stamp duty HK$147,912 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,987
−HK$1,512/mo
▼ 0.25% · 3.875%
HK$28,737
−HK$762/mo
Today · 4.125%
HK$29,499
baseline
▲ 0.50% · 4.625%
HK$31,054
+HK$1,555/mo
Deposit HK$613K · loan HK$5.52M · min. income ≈ HK$58,998/mo (50% DSR)
Upfront cash ≈ HK$761K (deposit + AVD stamp duty HK$147,912 · 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).