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$13,975
−HK$877/mo
▼ 0.25% · 3.875%
HK$14,410
−HK$442/mo
Today · 4.125%
HK$14,852
baseline
▲ 0.50% · 4.625%
HK$15,755
+HK$903/mo
Deposit HK$3.06M · loan HK$3.06M · min. income ≈ HK$29,704/mo (50% DSR)
Upfront cash ≈ HK$3.21M (deposit + AVD stamp duty HK$147,884 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,547
−HK$840/mo
▼ 0.25% · 3.875%
HK$15,964
−HK$423/mo
Today · 4.125%
HK$16,387
baseline
▲ 0.50% · 4.625%
HK$17,251
+HK$864/mo
Deposit HK$3.06M · loan HK$3.06M · min. income ≈ HK$32,774/mo (50% DSR)
Upfront cash ≈ HK$3.21M (deposit + AVD stamp duty HK$147,884 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,770
−HK$1,052/mo
▼ 0.25% · 3.875%
HK$17,292
−HK$530/mo
Today · 4.125%
HK$17,822
baseline
▲ 0.50% · 4.625%
HK$18,906
+HK$1,084/mo
Deposit HK$2.45M · loan HK$3.68M · min. income ≈ HK$35,644/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$147,884 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,657
−HK$1,008/mo
▼ 0.25% · 3.875%
HK$19,157
−HK$508/mo
Today · 4.125%
HK$19,665
baseline
▲ 0.50% · 4.625%
HK$20,701
+HK$1,036/mo
Deposit HK$2.45M · loan HK$3.68M · min. income ≈ HK$39,330/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$147,884 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,565
−HK$1,227/mo
▼ 0.25% · 3.875%
HK$20,174
−HK$618/mo
Today · 4.125%
HK$20,792
baseline
▲ 0.50% · 4.625%
HK$22,058
+HK$1,266/mo
Deposit HK$1.84M · loan HK$4.29M · min. income ≈ HK$41,584/mo (50% DSR)
Upfront cash ≈ HK$1.99M (deposit + AVD stamp duty HK$147,884 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,766
−HK$1,176/mo
▼ 0.25% · 3.875%
HK$22,350
−HK$592/mo
Today · 4.125%
HK$22,942
baseline
▲ 0.50% · 4.625%
HK$24,152
+HK$1,210/mo
Deposit HK$1.84M · loan HK$4.29M · min. income ≈ HK$45,884/mo (50% DSR)
Upfront cash ≈ HK$1.99M (deposit + AVD stamp duty HK$147,884 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,156
−HK$1,577/mo
▼ 0.25% · 3.875%
HK$25,938
−HK$795/mo
Today · 4.125%
HK$26,733
baseline
▲ 0.50% · 4.625%
HK$28,360
+HK$1,627/mo
Deposit HK$613K · loan HK$5.52M · min. income ≈ HK$53,466/mo (50% DSR)
Upfront cash ≈ HK$761K (deposit + AVD stamp duty HK$147,884 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,985
−HK$1,512/mo
▼ 0.25% · 3.875%
HK$28,736
−HK$761/mo
Today · 4.125%
HK$29,497
baseline
▲ 0.50% · 4.625%
HK$31,052
+HK$1,555/mo
Deposit HK$613K · loan HK$5.52M · min. income ≈ HK$58,994/mo (50% DSR)
Upfront cash ≈ HK$761K (deposit + AVD stamp duty HK$147,884 · 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).