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$13,954
−HK$875/mo
▼ 0.25% · 3.875%
HK$14,388
−HK$441/mo
Today · 4.125%
HK$14,829
baseline
▲ 0.50% · 4.625%
HK$15,732
+HK$903/mo
Deposit HK$3.06M · loan HK$3.06M · min. income ≈ HK$29,658/mo (50% DSR)
Upfront cash ≈ HK$3.21M (deposit + AVD stamp duty HK$146,959 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,524
−HK$839/mo
▼ 0.25% · 3.875%
HK$15,940
−HK$423/mo
Today · 4.125%
HK$16,363
baseline
▲ 0.50% · 4.625%
HK$17,225
+HK$862/mo
Deposit HK$3.06M · loan HK$3.06M · min. income ≈ HK$32,726/mo (50% DSR)
Upfront cash ≈ HK$3.21M (deposit + AVD stamp duty HK$146,959 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,745
−HK$1,050/mo
▼ 0.25% · 3.875%
HK$17,266
−HK$529/mo
Today · 4.125%
HK$17,795
baseline
▲ 0.50% · 4.625%
HK$18,878
+HK$1,083/mo
Deposit HK$2.45M · loan HK$3.67M · min. income ≈ HK$35,590/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$146,959 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,629
−HK$1,006/mo
▼ 0.25% · 3.875%
HK$19,128
−HK$507/mo
Today · 4.125%
HK$19,635
baseline
▲ 0.50% · 4.625%
HK$20,670
+HK$1,035/mo
Deposit HK$2.45M · loan HK$3.67M · min. income ≈ HK$39,270/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$146,959 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,536
−HK$1,225/mo
▼ 0.25% · 3.875%
HK$20,144
−HK$617/mo
Today · 4.125%
HK$20,761
baseline
▲ 0.50% · 4.625%
HK$22,024
+HK$1,263/mo
Deposit HK$1.84M · loan HK$4.28M · min. income ≈ HK$41,522/mo (50% DSR)
Upfront cash ≈ HK$1.98M (deposit + AVD stamp duty HK$146,959 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,733
−HK$1,175/mo
▼ 0.25% · 3.875%
HK$22,316
−HK$592/mo
Today · 4.125%
HK$22,908
baseline
▲ 0.50% · 4.625%
HK$24,115
+HK$1,207/mo
Deposit HK$1.84M · loan HK$4.28M · min. income ≈ HK$45,816/mo (50% DSR)
Upfront cash ≈ HK$1.98M (deposit + AVD stamp duty HK$146,959 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,118
−HK$1,575/mo
▼ 0.25% · 3.875%
HK$25,899
−HK$794/mo
Today · 4.125%
HK$26,693
baseline
▲ 0.50% · 4.625%
HK$28,317
+HK$1,624/mo
Deposit HK$612K · loan HK$5.51M · min. income ≈ HK$53,386/mo (50% DSR)
Upfront cash ≈ HK$759K (deposit + AVD stamp duty HK$146,959 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,943
−HK$1,510/mo
▼ 0.25% · 3.875%
HK$28,692
−HK$761/mo
Today · 4.125%
HK$29,453
baseline
▲ 0.50% · 4.625%
HK$31,005
+HK$1,552/mo
Deposit HK$612K · loan HK$5.51M · min. income ≈ HK$58,906/mo (50% DSR)
Upfront cash ≈ HK$759K (deposit + AVD stamp duty HK$146,959 · 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).