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$13,904
−HK$872/mo
▼ 0.25% · 3.875%
HK$14,336
−HK$440/mo
Today · 4.125%
HK$14,776
baseline
▲ 0.50% · 4.625%
HK$15,675
+HK$899/mo
Deposit HK$3.05M · loan HK$3.05M · min. income ≈ HK$29,552/mo (50% DSR)
Upfront cash ≈ HK$3.19M (deposit + AVD stamp duty HK$144,741 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,468
−HK$835/mo
▼ 0.25% · 3.875%
HK$15,882
−HK$421/mo
Today · 4.125%
HK$16,303
baseline
▲ 0.50% · 4.625%
HK$17,163
+HK$860/mo
Deposit HK$3.05M · loan HK$3.05M · min. income ≈ HK$32,606/mo (50% DSR)
Upfront cash ≈ HK$3.19M (deposit + AVD stamp duty HK$144,741 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,684
−HK$1,047/mo
▼ 0.25% · 3.875%
HK$17,203
−HK$528/mo
Today · 4.125%
HK$17,731
baseline
▲ 0.50% · 4.625%
HK$18,809
+HK$1,078/mo
Deposit HK$2.44M · loan HK$3.66M · min. income ≈ HK$35,462/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$144,741 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,561
−HK$1,003/mo
▼ 0.25% · 3.875%
HK$19,059
−HK$505/mo
Today · 4.125%
HK$19,564
baseline
▲ 0.50% · 4.625%
HK$20,595
+HK$1,031/mo
Deposit HK$2.44M · loan HK$3.66M · min. income ≈ HK$39,128/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$144,741 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,465
−HK$1,221/mo
▼ 0.25% · 3.875%
HK$20,071
−HK$615/mo
Today · 4.125%
HK$20,686
baseline
▲ 0.50% · 4.625%
HK$21,944
+HK$1,258/mo
Deposit HK$1.83M · loan HK$4.27M · min. income ≈ HK$41,372/mo (50% DSR)
Upfront cash ≈ HK$1.97M (deposit + AVD stamp duty HK$144,741 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,655
−HK$1,170/mo
▼ 0.25% · 3.875%
HK$22,235
−HK$590/mo
Today · 4.125%
HK$22,825
baseline
▲ 0.50% · 4.625%
HK$24,028
+HK$1,203/mo
Deposit HK$1.83M · loan HK$4.27M · min. income ≈ HK$45,650/mo (50% DSR)
Upfront cash ≈ HK$1.97M (deposit + AVD stamp duty HK$144,741 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,027
−HK$1,569/mo
▼ 0.25% · 3.875%
HK$25,805
−HK$791/mo
Today · 4.125%
HK$26,596
baseline
▲ 0.50% · 4.625%
HK$28,214
+HK$1,618/mo
Deposit HK$610K · loan HK$5.49M · min. income ≈ HK$53,192/mo (50% DSR)
Upfront cash ≈ HK$754K (deposit + AVD stamp duty HK$144,741 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,842
−HK$1,504/mo
▼ 0.25% · 3.875%
HK$28,588
−HK$758/mo
Today · 4.125%
HK$29,346
baseline
▲ 0.50% · 4.625%
HK$30,893
+HK$1,547/mo
Deposit HK$610K · loan HK$5.49M · min. income ≈ HK$58,692/mo (50% DSR)
Upfront cash ≈ HK$754K (deposit + AVD stamp duty HK$144,741 · 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).