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$13,967
−HK$876/mo
▼ 0.25% · 3.875%
HK$14,401
−HK$442/mo
Today · 4.125%
HK$14,843
baseline
▲ 0.50% · 4.625%
HK$15,746
+HK$903/mo
Deposit HK$3.06M · loan HK$3.06M · min. income ≈ HK$29,686/mo (50% DSR)
Upfront cash ≈ HK$3.21M (deposit + AVD stamp duty HK$147,514 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,538
−HK$839/mo
▼ 0.25% · 3.875%
HK$15,955
−HK$422/mo
Today · 4.125%
HK$16,377
baseline
▲ 0.50% · 4.625%
HK$17,241
+HK$864/mo
Deposit HK$3.06M · loan HK$3.06M · min. income ≈ HK$32,754/mo (50% DSR)
Upfront cash ≈ HK$3.21M (deposit + AVD stamp duty HK$147,514 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,760
−HK$1,051/mo
▼ 0.25% · 3.875%
HK$17,282
−HK$529/mo
Today · 4.125%
HK$17,811
baseline
▲ 0.50% · 4.625%
HK$18,895
+HK$1,084/mo
Deposit HK$2.45M · loan HK$3.68M · min. income ≈ HK$35,622/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$147,514 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,646
−HK$1,007/mo
▼ 0.25% · 3.875%
HK$19,146
−HK$507/mo
Today · 4.125%
HK$19,653
baseline
▲ 0.50% · 4.625%
HK$20,689
+HK$1,036/mo
Deposit HK$2.45M · loan HK$3.68M · min. income ≈ HK$39,306/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$147,514 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,554
−HK$1,226/mo
▼ 0.25% · 3.875%
HK$20,162
−HK$618/mo
Today · 4.125%
HK$20,780
baseline
▲ 0.50% · 4.625%
HK$22,044
+HK$1,264/mo
Deposit HK$1.84M · loan HK$4.29M · min. income ≈ HK$41,560/mo (50% DSR)
Upfront cash ≈ HK$1.99M (deposit + AVD stamp duty HK$147,514 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,753
−HK$1,175/mo
▼ 0.25% · 3.875%
HK$22,337
−HK$591/mo
Today · 4.125%
HK$22,928
baseline
▲ 0.50% · 4.625%
HK$24,137
+HK$1,209/mo
Deposit HK$1.84M · loan HK$4.29M · min. income ≈ HK$45,856/mo (50% DSR)
Upfront cash ≈ HK$1.99M (deposit + AVD stamp duty HK$147,514 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,140
−HK$1,577/mo
▼ 0.25% · 3.875%
HK$25,922
−HK$795/mo
Today · 4.125%
HK$26,717
baseline
▲ 0.50% · 4.625%
HK$28,343
+HK$1,626/mo
Deposit HK$613K · loan HK$5.51M · min. income ≈ HK$53,434/mo (50% DSR)
Upfront cash ≈ HK$760K (deposit + AVD stamp duty HK$147,514 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,968
−HK$1,511/mo
▼ 0.25% · 3.875%
HK$28,719
−HK$760/mo
Today · 4.125%
HK$29,479
baseline
▲ 0.50% · 4.625%
HK$31,033
+HK$1,554/mo
Deposit HK$613K · loan HK$5.51M · min. income ≈ HK$58,958/mo (50% DSR)
Upfront cash ≈ HK$760K (deposit + AVD stamp duty HK$147,514 · 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).