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$13,905
−HK$872/mo
▼ 0.25% · 3.875%
HK$14,338
−HK$439/mo
Today · 4.125%
HK$14,777
baseline
▲ 0.50% · 4.625%
HK$15,676
+HK$899/mo
Deposit HK$3.05M · loan HK$3.05M · min. income ≈ HK$29,554/mo (50% DSR)
Upfront cash ≈ HK$3.19M (deposit + AVD stamp duty HK$144,814 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,470
−HK$835/mo
▼ 0.25% · 3.875%
HK$15,884
−HK$421/mo
Today · 4.125%
HK$16,305
baseline
▲ 0.50% · 4.625%
HK$17,165
+HK$860/mo
Deposit HK$3.05M · loan HK$3.05M · min. income ≈ HK$32,610/mo (50% DSR)
Upfront cash ≈ HK$3.19M (deposit + AVD stamp duty HK$144,814 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,686
−HK$1,047/mo
▼ 0.25% · 3.875%
HK$17,205
−HK$528/mo
Today · 4.125%
HK$17,733
baseline
▲ 0.50% · 4.625%
HK$18,812
+HK$1,079/mo
Deposit HK$2.44M · loan HK$3.66M · min. income ≈ HK$35,466/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$144,814 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,563
−HK$1,003/mo
▼ 0.25% · 3.875%
HK$19,061
−HK$505/mo
Today · 4.125%
HK$19,566
baseline
▲ 0.50% · 4.625%
HK$20,598
+HK$1,032/mo
Deposit HK$2.44M · loan HK$3.66M · min. income ≈ HK$39,132/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$144,814 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,467
−HK$1,221/mo
▼ 0.25% · 3.875%
HK$20,073
−HK$615/mo
Today · 4.125%
HK$20,688
baseline
▲ 0.50% · 4.625%
HK$21,947
+HK$1,259/mo
Deposit HK$1.83M · loan HK$4.27M · min. income ≈ HK$41,376/mo (50% DSR)
Upfront cash ≈ HK$1.97M (deposit + AVD stamp duty HK$144,814 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,657
−HK$1,170/mo
▼ 0.25% · 3.875%
HK$22,238
−HK$589/mo
Today · 4.125%
HK$22,827
baseline
▲ 0.50% · 4.625%
HK$24,031
+HK$1,204/mo
Deposit HK$1.83M · loan HK$4.27M · min. income ≈ HK$45,654/mo (50% DSR)
Upfront cash ≈ HK$1.97M (deposit + AVD stamp duty HK$144,814 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,030
−HK$1,569/mo
▼ 0.25% · 3.875%
HK$25,808
−HK$791/mo
Today · 4.125%
HK$26,599
baseline
▲ 0.50% · 4.625%
HK$28,218
+HK$1,619/mo
Deposit HK$610K · loan HK$5.49M · min. income ≈ HK$53,198/mo (50% DSR)
Upfront cash ≈ HK$755K (deposit + AVD stamp duty HK$144,814 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,845
−HK$1,505/mo
▼ 0.25% · 3.875%
HK$28,592
−HK$758/mo
Today · 4.125%
HK$29,350
baseline
▲ 0.50% · 4.625%
HK$30,897
+HK$1,547/mo
Deposit HK$610K · loan HK$5.49M · min. income ≈ HK$58,700/mo (50% DSR)
Upfront cash ≈ HK$755K (deposit + AVD stamp duty HK$144,814 · 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).