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$13,908
−HK$872/mo
▼ 0.25% · 3.875%
HK$14,341
−HK$439/mo
Today · 4.125%
HK$14,780
baseline
▲ 0.50% · 4.625%
HK$15,680
+HK$900/mo
Deposit HK$3.05M · loan HK$3.05M · min. income ≈ HK$29,560/mo (50% DSR)
Upfront cash ≈ HK$3.19M (deposit + AVD stamp duty HK$144,939 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,473
−HK$836/mo
▼ 0.25% · 3.875%
HK$15,888
−HK$421/mo
Today · 4.125%
HK$16,309
baseline
▲ 0.50% · 4.625%
HK$17,168
+HK$859/mo
Deposit HK$3.05M · loan HK$3.05M · min. income ≈ HK$32,618/mo (50% DSR)
Upfront cash ≈ HK$3.19M (deposit + AVD stamp duty HK$144,939 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,690
−HK$1,046/mo
▼ 0.25% · 3.875%
HK$17,209
−HK$527/mo
Today · 4.125%
HK$17,736
baseline
▲ 0.50% · 4.625%
HK$18,816
+HK$1,080/mo
Deposit HK$2.44M · loan HK$3.66M · min. income ≈ HK$35,472/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$144,939 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,567
−HK$1,003/mo
▼ 0.25% · 3.875%
HK$19,065
−HK$505/mo
Today · 4.125%
HK$19,570
baseline
▲ 0.50% · 4.625%
HK$20,602
+HK$1,032/mo
Deposit HK$2.44M · loan HK$3.66M · min. income ≈ HK$39,140/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$144,939 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,471
−HK$1,221/mo
▼ 0.25% · 3.875%
HK$20,077
−HK$615/mo
Today · 4.125%
HK$20,692
baseline
▲ 0.50% · 4.625%
HK$21,952
+HK$1,260/mo
Deposit HK$1.83M · loan HK$4.27M · min. income ≈ HK$41,384/mo (50% DSR)
Upfront cash ≈ HK$1.97M (deposit + AVD stamp duty HK$144,939 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,662
−HK$1,170/mo
▼ 0.25% · 3.875%
HK$22,243
−HK$589/mo
Today · 4.125%
HK$22,832
baseline
▲ 0.50% · 4.625%
HK$24,036
+HK$1,204/mo
Deposit HK$1.83M · loan HK$4.27M · min. income ≈ HK$45,664/mo (50% DSR)
Upfront cash ≈ HK$1.97M (deposit + AVD stamp duty HK$144,939 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,035
−HK$1,570/mo
▼ 0.25% · 3.875%
HK$25,813
−HK$792/mo
Today · 4.125%
HK$26,605
baseline
▲ 0.50% · 4.625%
HK$28,223
+HK$1,618/mo
Deposit HK$610K · loan HK$5.49M · min. income ≈ HK$53,210/mo (50% DSR)
Upfront cash ≈ HK$755K (deposit + AVD stamp duty HK$144,939 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,851
−HK$1,505/mo
▼ 0.25% · 3.875%
HK$28,598
−HK$758/mo
Today · 4.125%
HK$29,356
baseline
▲ 0.50% · 4.625%
HK$30,903
+HK$1,547/mo
Deposit HK$610K · loan HK$5.49M · min. income ≈ HK$58,712/mo (50% DSR)
Upfront cash ≈ HK$755K (deposit + AVD stamp duty HK$144,939 · 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).