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$13,914
−HK$873/mo
▼ 0.25% · 3.875%
HK$14,347
−HK$440/mo
Today · 4.125%
HK$14,787
baseline
▲ 0.50% · 4.625%
HK$15,686
+HK$899/mo
Deposit HK$3.05M · loan HK$3.05M · min. income ≈ HK$29,574/mo (50% DSR)
Upfront cash ≈ HK$3.20M (deposit + AVD stamp duty HK$145,202 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,479
−HK$837/mo
▼ 0.25% · 3.875%
HK$15,895
−HK$421/mo
Today · 4.125%
HK$16,316
baseline
▲ 0.50% · 4.625%
HK$17,176
+HK$860/mo
Deposit HK$3.05M · loan HK$3.05M · min. income ≈ HK$32,632/mo (50% DSR)
Upfront cash ≈ HK$3.20M (deposit + AVD stamp duty HK$145,202 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,697
−HK$1,047/mo
▼ 0.25% · 3.875%
HK$17,216
−HK$528/mo
Today · 4.125%
HK$17,744
baseline
▲ 0.50% · 4.625%
HK$18,824
+HK$1,080/mo
Deposit HK$2.44M · loan HK$3.66M · min. income ≈ HK$35,488/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$145,202 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,575
−HK$1,004/mo
▼ 0.25% · 3.875%
HK$19,073
−HK$506/mo
Today · 4.125%
HK$19,579
baseline
▲ 0.50% · 4.625%
HK$20,611
+HK$1,032/mo
Deposit HK$2.44M · loan HK$3.66M · min. income ≈ HK$39,158/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$145,202 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,480
−HK$1,221/mo
▼ 0.25% · 3.875%
HK$20,086
−HK$615/mo
Today · 4.125%
HK$20,701
baseline
▲ 0.50% · 4.625%
HK$21,961
+HK$1,260/mo
Deposit HK$1.83M · loan HK$4.27M · min. income ≈ HK$41,402/mo (50% DSR)
Upfront cash ≈ HK$1.98M (deposit + AVD stamp duty HK$145,202 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,671
−HK$1,171/mo
▼ 0.25% · 3.875%
HK$22,252
−HK$590/mo
Today · 4.125%
HK$22,842
baseline
▲ 0.50% · 4.625%
HK$24,046
+HK$1,204/mo
Deposit HK$1.83M · loan HK$4.27M · min. income ≈ HK$45,684/mo (50% DSR)
Upfront cash ≈ HK$1.98M (deposit + AVD stamp duty HK$145,202 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,045
−HK$1,571/mo
▼ 0.25% · 3.875%
HK$25,825
−HK$791/mo
Today · 4.125%
HK$26,616
baseline
▲ 0.50% · 4.625%
HK$28,236
+HK$1,620/mo
Deposit HK$610K · loan HK$5.49M · min. income ≈ HK$53,232/mo (50% DSR)
Upfront cash ≈ HK$755K (deposit + AVD stamp duty HK$145,202 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,863
−HK$1,505/mo
▼ 0.25% · 3.875%
HK$28,610
−HK$758/mo
Today · 4.125%
HK$29,368
baseline
▲ 0.50% · 4.625%
HK$30,916
+HK$1,548/mo
Deposit HK$610K · loan HK$5.49M · min. income ≈ HK$58,736/mo (50% DSR)
Upfront cash ≈ HK$755K (deposit + AVD stamp duty HK$145,202 · 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).