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$13,972
−HK$876/mo
▼ 0.25% · 3.875%
HK$14,406
−HK$442/mo
Today · 4.125%
HK$14,848
baseline
▲ 0.50% · 4.625%
HK$15,751
+HK$903/mo
Deposit HK$3.06M · loan HK$3.06M · min. income ≈ HK$29,696/mo (50% DSR)
Upfront cash ≈ HK$3.21M (deposit + AVD stamp duty HK$147,730 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,543
−HK$840/mo
▼ 0.25% · 3.875%
HK$15,960
−HK$423/mo
Today · 4.125%
HK$16,383
baseline
▲ 0.50% · 4.625%
HK$17,247
+HK$864/mo
Deposit HK$3.06M · loan HK$3.06M · min. income ≈ HK$32,766/mo (50% DSR)
Upfront cash ≈ HK$3.21M (deposit + AVD stamp duty HK$147,730 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,766
−HK$1,052/mo
▼ 0.25% · 3.875%
HK$17,288
−HK$530/mo
Today · 4.125%
HK$17,818
baseline
▲ 0.50% · 4.625%
HK$18,902
+HK$1,084/mo
Deposit HK$2.45M · loan HK$3.68M · min. income ≈ HK$35,636/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$147,730 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,652
−HK$1,008/mo
▼ 0.25% · 3.875%
HK$19,152
−HK$508/mo
Today · 4.125%
HK$19,660
baseline
▲ 0.50% · 4.625%
HK$20,696
+HK$1,036/mo
Deposit HK$2.45M · loan HK$3.68M · min. income ≈ HK$39,320/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$147,730 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,561
−HK$1,226/mo
▼ 0.25% · 3.875%
HK$20,169
−HK$618/mo
Today · 4.125%
HK$20,787
baseline
▲ 0.50% · 4.625%
HK$22,052
+HK$1,265/mo
Deposit HK$1.84M · loan HK$4.29M · min. income ≈ HK$41,574/mo (50% DSR)
Upfront cash ≈ HK$1.99M (deposit + AVD stamp duty HK$147,730 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,761
−HK$1,176/mo
▼ 0.25% · 3.875%
HK$22,345
−HK$592/mo
Today · 4.125%
HK$22,937
baseline
▲ 0.50% · 4.625%
HK$24,146
+HK$1,209/mo
Deposit HK$1.84M · loan HK$4.29M · min. income ≈ HK$45,874/mo (50% DSR)
Upfront cash ≈ HK$1.99M (deposit + AVD stamp duty HK$147,730 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,149
−HK$1,577/mo
▼ 0.25% · 3.875%
HK$25,932
−HK$794/mo
Today · 4.125%
HK$26,726
baseline
▲ 0.50% · 4.625%
HK$28,353
+HK$1,627/mo
Deposit HK$613K · loan HK$5.51M · min. income ≈ HK$53,452/mo (50% DSR)
Upfront cash ≈ HK$760K (deposit + AVD stamp duty HK$147,730 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,978
−HK$1,512/mo
▼ 0.25% · 3.875%
HK$28,729
−HK$761/mo
Today · 4.125%
HK$29,490
baseline
▲ 0.50% · 4.625%
HK$31,044
+HK$1,554/mo
Deposit HK$613K · loan HK$5.51M · min. income ≈ HK$58,980/mo (50% DSR)
Upfront cash ≈ HK$760K (deposit + AVD stamp duty HK$147,730 · 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).