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$13,968
−HK$876/mo
▼ 0.25% · 3.875%
HK$14,403
−HK$441/mo
Today · 4.125%
HK$14,844
baseline
▲ 0.50% · 4.625%
HK$15,747
+HK$903/mo
Deposit HK$3.06M · loan HK$3.06M · min. income ≈ HK$29,688/mo (50% DSR)
Upfront cash ≈ HK$3.21M (deposit + AVD stamp duty HK$147,569 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,539
−HK$840/mo
▼ 0.25% · 3.875%
HK$15,956
−HK$423/mo
Today · 4.125%
HK$16,379
baseline
▲ 0.50% · 4.625%
HK$17,242
+HK$863/mo
Deposit HK$3.06M · loan HK$3.06M · min. income ≈ HK$32,758/mo (50% DSR)
Upfront cash ≈ HK$3.21M (deposit + AVD stamp duty HK$147,569 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,762
−HK$1,051/mo
▼ 0.25% · 3.875%
HK$17,283
−HK$530/mo
Today · 4.125%
HK$17,813
baseline
▲ 0.50% · 4.625%
HK$18,897
+HK$1,084/mo
Deposit HK$2.45M · loan HK$3.68M · min. income ≈ HK$35,626/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$147,569 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,647
−HK$1,008/mo
▼ 0.25% · 3.875%
HK$19,147
−HK$508/mo
Today · 4.125%
HK$19,655
baseline
▲ 0.50% · 4.625%
HK$20,691
+HK$1,036/mo
Deposit HK$2.45M · loan HK$3.68M · min. income ≈ HK$39,310/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$147,569 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,555
−HK$1,227/mo
▼ 0.25% · 3.875%
HK$20,164
−HK$618/mo
Today · 4.125%
HK$20,782
baseline
▲ 0.50% · 4.625%
HK$22,046
+HK$1,264/mo
Deposit HK$1.84M · loan HK$4.29M · min. income ≈ HK$41,564/mo (50% DSR)
Upfront cash ≈ HK$1.99M (deposit + AVD stamp duty HK$147,569 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,755
−HK$1,176/mo
▼ 0.25% · 3.875%
HK$22,339
−HK$592/mo
Today · 4.125%
HK$22,931
baseline
▲ 0.50% · 4.625%
HK$24,139
+HK$1,208/mo
Deposit HK$1.84M · loan HK$4.29M · min. income ≈ HK$45,862/mo (50% DSR)
Upfront cash ≈ HK$1.99M (deposit + AVD stamp duty HK$147,569 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,143
−HK$1,576/mo
▼ 0.25% · 3.875%
HK$25,925
−HK$794/mo
Today · 4.125%
HK$26,719
baseline
▲ 0.50% · 4.625%
HK$28,345
+HK$1,626/mo
Deposit HK$613K · loan HK$5.51M · min. income ≈ HK$53,438/mo (50% DSR)
Upfront cash ≈ HK$760K (deposit + AVD stamp duty HK$147,569 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,971
−HK$1,511/mo
▼ 0.25% · 3.875%
HK$28,721
−HK$761/mo
Today · 4.125%
HK$29,482
baseline
▲ 0.50% · 4.625%
HK$31,036
+HK$1,554/mo
Deposit HK$613K · loan HK$5.51M · min. income ≈ HK$58,964/mo (50% DSR)
Upfront cash ≈ HK$760K (deposit + AVD stamp duty HK$147,569 · 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).