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$13,894
−HK$871/mo
▼ 0.25% · 3.875%
HK$14,326
−HK$439/mo
Today · 4.125%
HK$14,765
baseline
▲ 0.50% · 4.625%
HK$15,664
+HK$899/mo
Deposit HK$3.05M · loan HK$3.05M · min. income ≈ HK$29,530/mo (50% DSR)
Upfront cash ≈ HK$3.19M (deposit + AVD stamp duty HK$144,310 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,457
−HK$835/mo
▼ 0.25% · 3.875%
HK$15,871
−HK$421/mo
Today · 4.125%
HK$16,292
baseline
▲ 0.50% · 4.625%
HK$17,151
+HK$859/mo
Deposit HK$3.05M · loan HK$3.05M · min. income ≈ HK$32,584/mo (50% DSR)
Upfront cash ≈ HK$3.19M (deposit + AVD stamp duty HK$144,310 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,673
−HK$1,045/mo
▼ 0.25% · 3.875%
HK$17,191
−HK$527/mo
Today · 4.125%
HK$17,718
baseline
▲ 0.50% · 4.625%
HK$18,796
+HK$1,078/mo
Deposit HK$2.44M · loan HK$3.66M · min. income ≈ HK$35,436/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$144,310 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,548
−HK$1,002/mo
▼ 0.25% · 3.875%
HK$19,046
−HK$504/mo
Today · 4.125%
HK$19,550
baseline
▲ 0.50% · 4.625%
HK$20,581
+HK$1,031/mo
Deposit HK$2.44M · loan HK$3.66M · min. income ≈ HK$39,100/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$144,310 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,451
−HK$1,220/mo
▼ 0.25% · 3.875%
HK$20,056
−HK$615/mo
Today · 4.125%
HK$20,671
baseline
▲ 0.50% · 4.625%
HK$21,929
+HK$1,258/mo
Deposit HK$1.83M · loan HK$4.27M · min. income ≈ HK$41,342/mo (50% DSR)
Upfront cash ≈ HK$1.97M (deposit + AVD stamp duty HK$144,310 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,639
−HK$1,170/mo
▼ 0.25% · 3.875%
HK$22,220
−HK$589/mo
Today · 4.125%
HK$22,809
baseline
▲ 0.50% · 4.625%
HK$24,011
+HK$1,202/mo
Deposit HK$1.83M · loan HK$4.27M · min. income ≈ HK$45,618/mo (50% DSR)
Upfront cash ≈ HK$1.97M (deposit + AVD stamp duty HK$144,310 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,009
−HK$1,568/mo
▼ 0.25% · 3.875%
HK$25,787
−HK$790/mo
Today · 4.125%
HK$26,577
baseline
▲ 0.50% · 4.625%
HK$28,194
+HK$1,617/mo
Deposit HK$609K · loan HK$5.48M · min. income ≈ HK$53,154/mo (50% DSR)
Upfront cash ≈ HK$754K (deposit + AVD stamp duty HK$144,310 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,822
−HK$1,503/mo
▼ 0.25% · 3.875%
HK$28,568
−HK$757/mo
Today · 4.125%
HK$29,325
baseline
▲ 0.50% · 4.625%
HK$30,871
+HK$1,546/mo
Deposit HK$609K · loan HK$5.48M · min. income ≈ HK$58,650/mo (50% DSR)
Upfront cash ≈ HK$754K (deposit + AVD stamp duty HK$144,310 · 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).