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$13,993
−HK$877/mo
▼ 0.25% · 3.875%
HK$14,428
−HK$442/mo
Today · 4.125%
HK$14,870
baseline
▲ 0.50% · 4.625%
HK$15,775
+HK$905/mo
Deposit HK$3.07M · loan HK$3.07M · min. income ≈ HK$29,740/mo (50% DSR)
Upfront cash ≈ HK$3.22M (deposit + AVD stamp duty HK$148,641 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,567
−HK$841/mo
▼ 0.25% · 3.875%
HK$15,984
−HK$424/mo
Today · 4.125%
HK$16,408
baseline
▲ 0.50% · 4.625%
HK$17,272
+HK$864/mo
Deposit HK$3.07M · loan HK$3.07M · min. income ≈ HK$32,816/mo (50% DSR)
Upfront cash ≈ HK$3.22M (deposit + AVD stamp duty HK$148,641 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,791
−HK$1,053/mo
▼ 0.25% · 3.875%
HK$17,313
−HK$531/mo
Today · 4.125%
HK$17,844
baseline
▲ 0.50% · 4.625%
HK$18,930
+HK$1,086/mo
Deposit HK$2.45M · loan HK$3.68M · min. income ≈ HK$35,688/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$148,641 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,680
−HK$1,009/mo
▼ 0.25% · 3.875%
HK$19,181
−HK$508/mo
Today · 4.125%
HK$19,689
baseline
▲ 0.50% · 4.625%
HK$20,727
+HK$1,038/mo
Deposit HK$2.45M · loan HK$3.68M · min. income ≈ HK$39,378/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$148,641 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,590
−HK$1,228/mo
▼ 0.25% · 3.875%
HK$20,199
−HK$619/mo
Today · 4.125%
HK$20,818
baseline
▲ 0.50% · 4.625%
HK$22,085
+HK$1,267/mo
Deposit HK$1.84M · loan HK$4.30M · min. income ≈ HK$41,636/mo (50% DSR)
Upfront cash ≈ HK$1.99M (deposit + AVD stamp duty HK$148,641 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,793
−HK$1,178/mo
▼ 0.25% · 3.875%
HK$22,378
−HK$593/mo
Today · 4.125%
HK$22,971
baseline
▲ 0.50% · 4.625%
HK$24,181
+HK$1,210/mo
Deposit HK$1.84M · loan HK$4.30M · min. income ≈ HK$45,942/mo (50% DSR)
Upfront cash ≈ HK$1.99M (deposit + AVD stamp duty HK$148,641 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,187
−HK$1,579/mo
▼ 0.25% · 3.875%
HK$25,970
−HK$796/mo
Today · 4.125%
HK$26,766
baseline
▲ 0.50% · 4.625%
HK$28,395
+HK$1,629/mo
Deposit HK$614K · loan HK$5.52M · min. income ≈ HK$53,532/mo (50% DSR)
Upfront cash ≈ HK$762K (deposit + AVD stamp duty HK$148,641 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,020
−HK$1,514/mo
▼ 0.25% · 3.875%
HK$28,771
−HK$763/mo
Today · 4.125%
HK$29,534
baseline
▲ 0.50% · 4.625%
HK$31,090
+HK$1,556/mo
Deposit HK$614K · loan HK$5.52M · min. income ≈ HK$59,068/mo (50% DSR)
Upfront cash ≈ HK$762K (deposit + AVD stamp duty HK$148,641 · 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).