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$13,958
−HK$876/mo
▼ 0.25% · 3.875%
HK$14,392
−HK$442/mo
Today · 4.125%
HK$14,834
baseline
▲ 0.50% · 4.625%
HK$15,736
+HK$902/mo
Deposit HK$3.06M · loan HK$3.06M · min. income ≈ HK$29,668/mo (50% DSR)
Upfront cash ≈ HK$3.21M (deposit + AVD stamp duty HK$147,136 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,528
−HK$839/mo
▼ 0.25% · 3.875%
HK$15,945
−HK$422/mo
Today · 4.125%
HK$16,367
baseline
▲ 0.50% · 4.625%
HK$17,230
+HK$863/mo
Deposit HK$3.06M · loan HK$3.06M · min. income ≈ HK$32,734/mo (50% DSR)
Upfront cash ≈ HK$3.21M (deposit + AVD stamp duty HK$147,136 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,750
−HK$1,050/mo
▼ 0.25% · 3.875%
HK$17,271
−HK$529/mo
Today · 4.125%
HK$17,800
baseline
▲ 0.50% · 4.625%
HK$18,883
+HK$1,083/mo
Deposit HK$2.45M · loan HK$3.67M · min. income ≈ HK$35,600/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$147,136 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,634
−HK$1,007/mo
▼ 0.25% · 3.875%
HK$19,134
−HK$507/mo
Today · 4.125%
HK$19,641
baseline
▲ 0.50% · 4.625%
HK$20,676
+HK$1,035/mo
Deposit HK$2.45M · loan HK$3.67M · min. income ≈ HK$39,282/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$147,136 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,542
−HK$1,225/mo
▼ 0.25% · 3.875%
HK$20,149
−HK$618/mo
Today · 4.125%
HK$20,767
baseline
▲ 0.50% · 4.625%
HK$22,031
+HK$1,264/mo
Deposit HK$1.84M · loan HK$4.28M · min. income ≈ HK$41,534/mo (50% DSR)
Upfront cash ≈ HK$1.98M (deposit + AVD stamp duty HK$147,136 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,740
−HK$1,174/mo
▼ 0.25% · 3.875%
HK$22,323
−HK$591/mo
Today · 4.125%
HK$22,914
baseline
▲ 0.50% · 4.625%
HK$24,122
+HK$1,208/mo
Deposit HK$1.84M · loan HK$4.28M · min. income ≈ HK$45,828/mo (50% DSR)
Upfront cash ≈ HK$1.98M (deposit + AVD stamp duty HK$147,136 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,125
−HK$1,575/mo
▼ 0.25% · 3.875%
HK$25,906
−HK$794/mo
Today · 4.125%
HK$26,700
baseline
▲ 0.50% · 4.625%
HK$28,325
+HK$1,625/mo
Deposit HK$612K · loan HK$5.51M · min. income ≈ HK$53,400/mo (50% DSR)
Upfront cash ≈ HK$759K (deposit + AVD stamp duty HK$147,136 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,951
−HK$1,510/mo
▼ 0.25% · 3.875%
HK$28,701
−HK$760/mo
Today · 4.125%
HK$29,461
baseline
▲ 0.50% · 4.625%
HK$31,014
+HK$1,553/mo
Deposit HK$612K · loan HK$5.51M · min. income ≈ HK$58,922/mo (50% DSR)
Upfront cash ≈ HK$759K (deposit + AVD stamp duty HK$147,136 · 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).