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$13,973
−HK$876/mo
▼ 0.25% · 3.875%
HK$14,407
−HK$442/mo
Today · 4.125%
HK$14,849
baseline
▲ 0.50% · 4.625%
HK$15,752
+HK$903/mo
Deposit HK$3.06M · loan HK$3.06M · min. income ≈ HK$29,698/mo (50% DSR)
Upfront cash ≈ HK$3.21M (deposit + AVD stamp duty HK$147,762 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,544
−HK$840/mo
▼ 0.25% · 3.875%
HK$15,961
−HK$423/mo
Today · 4.125%
HK$16,384
baseline
▲ 0.50% · 4.625%
HK$17,248
+HK$864/mo
Deposit HK$3.06M · loan HK$3.06M · min. income ≈ HK$32,768/mo (50% DSR)
Upfront cash ≈ HK$3.21M (deposit + AVD stamp duty HK$147,762 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,767
−HK$1,051/mo
▼ 0.25% · 3.875%
HK$17,289
−HK$529/mo
Today · 4.125%
HK$17,818
baseline
▲ 0.50% · 4.625%
HK$18,903
+HK$1,085/mo
Deposit HK$2.45M · loan HK$3.68M · min. income ≈ HK$35,636/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$147,762 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,653
−HK$1,008/mo
▼ 0.25% · 3.875%
HK$19,153
−HK$508/mo
Today · 4.125%
HK$19,661
baseline
▲ 0.50% · 4.625%
HK$20,697
+HK$1,036/mo
Deposit HK$2.45M · loan HK$3.68M · min. income ≈ HK$39,322/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$147,762 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,562
−HK$1,226/mo
▼ 0.25% · 3.875%
HK$20,170
−HK$618/mo
Today · 4.125%
HK$20,788
baseline
▲ 0.50% · 4.625%
HK$22,053
+HK$1,265/mo
Deposit HK$1.84M · loan HK$4.29M · min. income ≈ HK$41,576/mo (50% DSR)
Upfront cash ≈ HK$1.99M (deposit + AVD stamp duty HK$147,762 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,762
−HK$1,176/mo
▼ 0.25% · 3.875%
HK$22,346
−HK$592/mo
Today · 4.125%
HK$22,938
baseline
▲ 0.50% · 4.625%
HK$24,147
+HK$1,209/mo
Deposit HK$1.84M · loan HK$4.29M · min. income ≈ HK$45,876/mo (50% DSR)
Upfront cash ≈ HK$1.99M (deposit + AVD stamp duty HK$147,762 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,151
−HK$1,577/mo
▼ 0.25% · 3.875%
HK$25,933
−HK$795/mo
Today · 4.125%
HK$26,728
baseline
▲ 0.50% · 4.625%
HK$28,354
+HK$1,626/mo
Deposit HK$613K · loan HK$5.51M · min. income ≈ HK$53,456/mo (50% DSR)
Upfront cash ≈ HK$761K (deposit + AVD stamp duty HK$147,762 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,980
−HK$1,511/mo
▼ 0.25% · 3.875%
HK$28,730
−HK$761/mo
Today · 4.125%
HK$29,491
baseline
▲ 0.50% · 4.625%
HK$31,046
+HK$1,555/mo
Deposit HK$613K · loan HK$5.51M · min. income ≈ HK$58,982/mo (50% DSR)
Upfront cash ≈ HK$761K (deposit + AVD stamp duty HK$147,762 · 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).