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$13,910
−HK$873/mo
▼ 0.25% · 3.875%
HK$14,343
−HK$440/mo
Today · 4.125%
HK$14,783
baseline
▲ 0.50% · 4.625%
HK$15,682
+HK$899/mo
Deposit HK$3.05M · loan HK$3.05M · min. income ≈ HK$29,566/mo (50% DSR)
Upfront cash ≈ HK$3.20M (deposit + AVD stamp duty HK$145,031 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,475
−HK$836/mo
▼ 0.25% · 3.875%
HK$15,890
−HK$421/mo
Today · 4.125%
HK$16,311
baseline
▲ 0.50% · 4.625%
HK$17,171
+HK$860/mo
Deposit HK$3.05M · loan HK$3.05M · min. income ≈ HK$32,622/mo (50% DSR)
Upfront cash ≈ HK$3.20M (deposit + AVD stamp duty HK$145,031 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,692
−HK$1,047/mo
▼ 0.25% · 3.875%
HK$17,212
−HK$527/mo
Today · 4.125%
HK$17,739
baseline
▲ 0.50% · 4.625%
HK$18,818
+HK$1,079/mo
Deposit HK$2.44M · loan HK$3.66M · min. income ≈ HK$35,478/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$145,031 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,570
−HK$1,003/mo
▼ 0.25% · 3.875%
HK$19,068
−HK$505/mo
Today · 4.125%
HK$19,573
baseline
▲ 0.50% · 4.625%
HK$20,605
+HK$1,032/mo
Deposit HK$2.44M · loan HK$3.66M · min. income ≈ HK$39,146/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$145,031 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,474
−HK$1,222/mo
▼ 0.25% · 3.875%
HK$20,080
−HK$616/mo
Today · 4.125%
HK$20,696
baseline
▲ 0.50% · 4.625%
HK$21,955
+HK$1,259/mo
Deposit HK$1.83M · loan HK$4.27M · min. income ≈ HK$41,392/mo (50% DSR)
Upfront cash ≈ HK$1.98M (deposit + AVD stamp duty HK$145,031 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,665
−HK$1,171/mo
▼ 0.25% · 3.875%
HK$22,246
−HK$590/mo
Today · 4.125%
HK$22,836
baseline
▲ 0.50% · 4.625%
HK$24,039
+HK$1,203/mo
Deposit HK$1.83M · loan HK$4.27M · min. income ≈ HK$45,672/mo (50% DSR)
Upfront cash ≈ HK$1.98M (deposit + AVD stamp duty HK$145,031 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,038
−HK$1,571/mo
▼ 0.25% · 3.875%
HK$25,817
−HK$792/mo
Today · 4.125%
HK$26,609
baseline
▲ 0.50% · 4.625%
HK$28,228
+HK$1,619/mo
Deposit HK$610K · loan HK$5.49M · min. income ≈ HK$53,218/mo (50% DSR)
Upfront cash ≈ HK$755K (deposit + AVD stamp duty HK$145,031 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,855
−HK$1,505/mo
▼ 0.25% · 3.875%
HK$28,602
−HK$758/mo
Today · 4.125%
HK$29,360
baseline
▲ 0.50% · 4.625%
HK$30,908
+HK$1,548/mo
Deposit HK$610K · loan HK$5.49M · min. income ≈ HK$58,720/mo (50% DSR)
Upfront cash ≈ HK$755K (deposit + AVD stamp duty HK$145,031 · 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).