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$13,956
−HK$875/mo
▼ 0.25% · 3.875%
HK$14,390
−HK$441/mo
Today · 4.125%
HK$14,831
baseline
▲ 0.50% · 4.625%
HK$15,733
+HK$902/mo
Deposit HK$3.06M · loan HK$3.06M · min. income ≈ HK$29,662/mo (50% DSR)
Upfront cash ≈ HK$3.21M (deposit + AVD stamp duty HK$147,020 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,525
−HK$839/mo
▼ 0.25% · 3.875%
HK$15,942
−HK$422/mo
Today · 4.125%
HK$16,364
baseline
▲ 0.50% · 4.625%
HK$17,227
+HK$863/mo
Deposit HK$3.06M · loan HK$3.06M · min. income ≈ HK$32,728/mo (50% DSR)
Upfront cash ≈ HK$3.21M (deposit + AVD stamp duty HK$147,020 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,747
−HK$1,050/mo
▼ 0.25% · 3.875%
HK$17,268
−HK$529/mo
Today · 4.125%
HK$17,797
baseline
▲ 0.50% · 4.625%
HK$18,880
+HK$1,083/mo
Deposit HK$2.45M · loan HK$3.67M · min. income ≈ HK$35,594/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$147,020 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,631
−HK$1,006/mo
▼ 0.25% · 3.875%
HK$19,130
−HK$507/mo
Today · 4.125%
HK$19,637
baseline
▲ 0.50% · 4.625%
HK$20,672
+HK$1,035/mo
Deposit HK$2.45M · loan HK$3.67M · min. income ≈ HK$39,274/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$147,020 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,538
−HK$1,225/mo
▼ 0.25% · 3.875%
HK$20,146
−HK$617/mo
Today · 4.125%
HK$20,763
baseline
▲ 0.50% · 4.625%
HK$22,026
+HK$1,263/mo
Deposit HK$1.84M · loan HK$4.28M · min. income ≈ HK$41,526/mo (50% DSR)
Upfront cash ≈ HK$1.98M (deposit + AVD stamp duty HK$147,020 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,736
−HK$1,174/mo
▼ 0.25% · 3.875%
HK$22,319
−HK$591/mo
Today · 4.125%
HK$22,910
baseline
▲ 0.50% · 4.625%
HK$24,118
+HK$1,208/mo
Deposit HK$1.84M · loan HK$4.28M · min. income ≈ HK$45,820/mo (50% DSR)
Upfront cash ≈ HK$1.98M (deposit + AVD stamp duty HK$147,020 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,120
−HK$1,575/mo
▼ 0.25% · 3.875%
HK$25,901
−HK$794/mo
Today · 4.125%
HK$26,695
baseline
▲ 0.50% · 4.625%
HK$28,320
+HK$1,625/mo
Deposit HK$612K · loan HK$5.51M · min. income ≈ HK$53,390/mo (50% DSR)
Upfront cash ≈ HK$759K (deposit + AVD stamp duty HK$147,020 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,946
−HK$1,510/mo
▼ 0.25% · 3.875%
HK$28,695
−HK$761/mo
Today · 4.125%
HK$29,456
baseline
▲ 0.50% · 4.625%
HK$31,008
+HK$1,552/mo
Deposit HK$612K · loan HK$5.51M · min. income ≈ HK$58,912/mo (50% DSR)
Upfront cash ≈ HK$759K (deposit + AVD stamp duty HK$147,020 · 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).