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$13,920
−HK$873/mo
▼ 0.25% · 3.875%
HK$14,353
−HK$440/mo
Today · 4.125%
HK$14,793
baseline
▲ 0.50% · 4.625%
HK$15,693
+HK$900/mo
Deposit HK$3.05M · loan HK$3.05M · min. income ≈ HK$29,586/mo (50% DSR)
Upfront cash ≈ HK$3.20M (deposit + AVD stamp duty HK$145,443 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,485
−HK$837/mo
▼ 0.25% · 3.875%
HK$15,901
−HK$421/mo
Today · 4.125%
HK$16,322
baseline
▲ 0.50% · 4.625%
HK$17,182
+HK$860/mo
Deposit HK$3.05M · loan HK$3.05M · min. income ≈ HK$32,644/mo (50% DSR)
Upfront cash ≈ HK$3.20M (deposit + AVD stamp duty HK$145,443 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,704
−HK$1,047/mo
▼ 0.25% · 3.875%
HK$17,223
−HK$528/mo
Today · 4.125%
HK$17,751
baseline
▲ 0.50% · 4.625%
HK$18,831
+HK$1,080/mo
Deposit HK$2.44M · loan HK$3.66M · min. income ≈ HK$35,502/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$145,443 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,583
−HK$1,004/mo
▼ 0.25% · 3.875%
HK$19,081
−HK$506/mo
Today · 4.125%
HK$19,587
baseline
▲ 0.50% · 4.625%
HK$20,619
+HK$1,032/mo
Deposit HK$2.44M · loan HK$3.66M · min. income ≈ HK$39,174/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$145,443 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,488
−HK$1,222/mo
▼ 0.25% · 3.875%
HK$20,094
−HK$616/mo
Today · 4.125%
HK$20,710
baseline
▲ 0.50% · 4.625%
HK$21,970
+HK$1,260/mo
Deposit HK$1.83M · loan HK$4.27M · min. income ≈ HK$41,420/mo (50% DSR)
Upfront cash ≈ HK$1.98M (deposit + AVD stamp duty HK$145,443 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,680
−HK$1,171/mo
▼ 0.25% · 3.875%
HK$22,261
−HK$590/mo
Today · 4.125%
HK$22,851
baseline
▲ 0.50% · 4.625%
HK$24,055
+HK$1,204/mo
Deposit HK$1.83M · loan HK$4.27M · min. income ≈ HK$45,702/mo (50% DSR)
Upfront cash ≈ HK$1.98M (deposit + AVD stamp duty HK$145,443 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,055
−HK$1,572/mo
▼ 0.25% · 3.875%
HK$25,835
−HK$792/mo
Today · 4.125%
HK$26,627
baseline
▲ 0.50% · 4.625%
HK$28,247
+HK$1,620/mo
Deposit HK$610K · loan HK$5.49M · min. income ≈ HK$53,254/mo (50% DSR)
Upfront cash ≈ HK$756K (deposit + AVD stamp duty HK$145,443 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,874
−HK$1,506/mo
▼ 0.25% · 3.875%
HK$28,621
−HK$759/mo
Today · 4.125%
HK$29,380
baseline
▲ 0.50% · 4.625%
HK$30,928
+HK$1,548/mo
Deposit HK$610K · loan HK$5.49M · min. income ≈ HK$58,760/mo (50% DSR)
Upfront cash ≈ HK$756K (deposit + AVD stamp duty HK$145,443 · 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).