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$13,969
−HK$876/mo
▼ 0.25% · 3.875%
HK$14,404
−HK$441/mo
Today · 4.125%
HK$14,845
baseline
▲ 0.50% · 4.625%
HK$15,749
+HK$904/mo
Deposit HK$3.06M · loan HK$3.06M · min. income ≈ HK$29,690/mo (50% DSR)
Upfront cash ≈ HK$3.21M (deposit + AVD stamp duty HK$147,620 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,541
−HK$839/mo
▼ 0.25% · 3.875%
HK$15,957
−HK$423/mo
Today · 4.125%
HK$16,380
baseline
▲ 0.50% · 4.625%
HK$17,244
+HK$864/mo
Deposit HK$3.06M · loan HK$3.06M · min. income ≈ HK$32,760/mo (50% DSR)
Upfront cash ≈ HK$3.21M (deposit + AVD stamp duty HK$147,620 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,763
−HK$1,051/mo
▼ 0.25% · 3.875%
HK$17,285
−HK$529/mo
Today · 4.125%
HK$17,814
baseline
▲ 0.50% · 4.625%
HK$18,898
+HK$1,084/mo
Deposit HK$2.45M · loan HK$3.68M · min. income ≈ HK$35,628/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$147,620 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,649
−HK$1,007/mo
▼ 0.25% · 3.875%
HK$19,149
−HK$507/mo
Today · 4.125%
HK$19,656
baseline
▲ 0.50% · 4.625%
HK$20,692
+HK$1,036/mo
Deposit HK$2.45M · loan HK$3.68M · min. income ≈ HK$39,312/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$147,620 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,557
−HK$1,226/mo
▼ 0.25% · 3.875%
HK$20,165
−HK$618/mo
Today · 4.125%
HK$20,783
baseline
▲ 0.50% · 4.625%
HK$22,048
+HK$1,265/mo
Deposit HK$1.84M · loan HK$4.29M · min. income ≈ HK$41,566/mo (50% DSR)
Upfront cash ≈ HK$1.99M (deposit + AVD stamp duty HK$147,620 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,757
−HK$1,175/mo
▼ 0.25% · 3.875%
HK$22,340
−HK$592/mo
Today · 4.125%
HK$22,932
baseline
▲ 0.50% · 4.625%
HK$24,141
+HK$1,209/mo
Deposit HK$1.84M · loan HK$4.29M · min. income ≈ HK$45,864/mo (50% DSR)
Upfront cash ≈ HK$1.99M (deposit + AVD stamp duty HK$147,620 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,145
−HK$1,577/mo
▼ 0.25% · 3.875%
HK$25,927
−HK$795/mo
Today · 4.125%
HK$26,722
baseline
▲ 0.50% · 4.625%
HK$28,347
+HK$1,625/mo
Deposit HK$613K · loan HK$5.51M · min. income ≈ HK$53,444/mo (50% DSR)
Upfront cash ≈ HK$760K (deposit + AVD stamp duty HK$147,620 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,973
−HK$1,512/mo
▼ 0.25% · 3.875%
HK$28,723
−HK$762/mo
Today · 4.125%
HK$29,485
baseline
▲ 0.50% · 4.625%
HK$31,039
+HK$1,554/mo
Deposit HK$613K · loan HK$5.51M · min. income ≈ HK$58,970/mo (50% DSR)
Upfront cash ≈ HK$760K (deposit + AVD stamp duty HK$147,620 · 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).