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$13,906
−HK$872/mo
▼ 0.25% · 3.875%
HK$14,339
−HK$439/mo
Today · 4.125%
HK$14,778
baseline
▲ 0.50% · 4.625%
HK$15,678
+HK$900/mo
Deposit HK$3.05M · loan HK$3.05M · min. income ≈ HK$29,556/mo (50% DSR)
Upfront cash ≈ HK$3.19M (deposit + AVD stamp duty HK$144,861 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,471
−HK$836/mo
▼ 0.25% · 3.875%
HK$15,886
−HK$421/mo
Today · 4.125%
HK$16,307
baseline
▲ 0.50% · 4.625%
HK$17,166
+HK$859/mo
Deposit HK$3.05M · loan HK$3.05M · min. income ≈ HK$32,614/mo (50% DSR)
Upfront cash ≈ HK$3.19M (deposit + AVD stamp duty HK$144,861 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,688
−HK$1,046/mo
▼ 0.25% · 3.875%
HK$17,207
−HK$527/mo
Today · 4.125%
HK$17,734
baseline
▲ 0.50% · 4.625%
HK$18,813
+HK$1,079/mo
Deposit HK$2.44M · loan HK$3.66M · min. income ≈ HK$35,468/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$144,861 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,565
−HK$1,003/mo
▼ 0.25% · 3.875%
HK$19,063
−HK$505/mo
Today · 4.125%
HK$19,568
baseline
▲ 0.50% · 4.625%
HK$20,599
+HK$1,031/mo
Deposit HK$2.44M · loan HK$3.66M · min. income ≈ HK$39,136/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$144,861 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,469
−HK$1,221/mo
▼ 0.25% · 3.875%
HK$20,075
−HK$615/mo
Today · 4.125%
HK$20,690
baseline
▲ 0.50% · 4.625%
HK$21,949
+HK$1,259/mo
Deposit HK$1.83M · loan HK$4.27M · min. income ≈ HK$41,380/mo (50% DSR)
Upfront cash ≈ HK$1.97M (deposit + AVD stamp duty HK$144,861 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,659
−HK$1,170/mo
▼ 0.25% · 3.875%
HK$22,240
−HK$589/mo
Today · 4.125%
HK$22,829
baseline
▲ 0.50% · 4.625%
HK$24,033
+HK$1,204/mo
Deposit HK$1.83M · loan HK$4.27M · min. income ≈ HK$45,658/mo (50% DSR)
Upfront cash ≈ HK$1.97M (deposit + AVD stamp duty HK$144,861 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,032
−HK$1,569/mo
▼ 0.25% · 3.875%
HK$25,810
−HK$791/mo
Today · 4.125%
HK$26,601
baseline
▲ 0.50% · 4.625%
HK$28,220
+HK$1,619/mo
Deposit HK$610K · loan HK$5.49M · min. income ≈ HK$53,202/mo (50% DSR)
Upfront cash ≈ HK$755K (deposit + AVD stamp duty HK$144,861 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,847
−HK$1,505/mo
▼ 0.25% · 3.875%
HK$28,594
−HK$758/mo
Today · 4.125%
HK$29,352
baseline
▲ 0.50% · 4.625%
HK$30,899
+HK$1,547/mo
Deposit HK$610K · loan HK$5.49M · min. income ≈ HK$58,704/mo (50% DSR)
Upfront cash ≈ HK$755K (deposit + AVD stamp duty HK$144,861 · 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).