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$13,989
−HK$877/mo
▼ 0.25% · 3.875%
HK$14,424
−HK$442/mo
Today · 4.125%
HK$14,866
baseline
▲ 0.50% · 4.625%
HK$15,771
+HK$905/mo
Deposit HK$3.07M · loan HK$3.07M · min. income ≈ HK$29,732/mo (50% DSR)
Upfront cash ≈ HK$3.22M (deposit + AVD stamp duty HK$148,476 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,562
−HK$841/mo
▼ 0.25% · 3.875%
HK$15,980
−HK$423/mo
Today · 4.125%
HK$16,403
baseline
▲ 0.50% · 4.625%
HK$17,268
+HK$865/mo
Deposit HK$3.07M · loan HK$3.07M · min. income ≈ HK$32,806/mo (50% DSR)
Upfront cash ≈ HK$3.22M (deposit + AVD stamp duty HK$148,476 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,787
−HK$1,052/mo
▼ 0.25% · 3.875%
HK$17,309
−HK$530/mo
Today · 4.125%
HK$17,839
baseline
▲ 0.50% · 4.625%
HK$18,925
+HK$1,086/mo
Deposit HK$2.45M · loan HK$3.68M · min. income ≈ HK$35,678/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$148,476 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,675
−HK$1,009/mo
▼ 0.25% · 3.875%
HK$19,176
−HK$508/mo
Today · 4.125%
HK$19,684
baseline
▲ 0.50% · 4.625%
HK$20,721
+HK$1,037/mo
Deposit HK$2.45M · loan HK$3.68M · min. income ≈ HK$39,368/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$148,476 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,584
−HK$1,228/mo
▼ 0.25% · 3.875%
HK$20,194
−HK$618/mo
Today · 4.125%
HK$20,812
baseline
▲ 0.50% · 4.625%
HK$22,079
+HK$1,267/mo
Deposit HK$1.84M · loan HK$4.29M · min. income ≈ HK$41,624/mo (50% DSR)
Upfront cash ≈ HK$1.99M (deposit + AVD stamp duty HK$148,476 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,787
−HK$1,178/mo
▼ 0.25% · 3.875%
HK$22,372
−HK$593/mo
Today · 4.125%
HK$22,965
baseline
▲ 0.50% · 4.625%
HK$24,175
+HK$1,210/mo
Deposit HK$1.84M · loan HK$4.29M · min. income ≈ HK$45,930/mo (50% DSR)
Upfront cash ≈ HK$1.99M (deposit + AVD stamp duty HK$148,476 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,180
−HK$1,579/mo
▼ 0.25% · 3.875%
HK$25,963
−HK$796/mo
Today · 4.125%
HK$26,759
baseline
▲ 0.50% · 4.625%
HK$28,387
+HK$1,628/mo
Deposit HK$613K · loan HK$5.52M · min. income ≈ HK$53,518/mo (50% DSR)
Upfront cash ≈ HK$762K (deposit + AVD stamp duty HK$148,476 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,012
−HK$1,514/mo
▼ 0.25% · 3.875%
HK$28,764
−HK$762/mo
Today · 4.125%
HK$29,526
baseline
▲ 0.50% · 4.625%
HK$31,082
+HK$1,556/mo
Deposit HK$613K · loan HK$5.52M · min. income ≈ HK$59,052/mo (50% DSR)
Upfront cash ≈ HK$762K (deposit + AVD stamp duty HK$148,476 · 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).