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$13,989
−HK$878/mo
▼ 0.25% · 3.875%
HK$14,425
−HK$442/mo
Today · 4.125%
HK$14,867
baseline
▲ 0.50% · 4.625%
HK$15,771
+HK$904/mo
Deposit HK$3.07M · loan HK$3.07M · min. income ≈ HK$29,734/mo (50% DSR)
Upfront cash ≈ HK$3.22M (deposit + AVD stamp duty HK$148,505 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,563
−HK$841/mo
▼ 0.25% · 3.875%
HK$15,981
−HK$423/mo
Today · 4.125%
HK$16,404
baseline
▲ 0.50% · 4.625%
HK$17,269
+HK$865/mo
Deposit HK$3.07M · loan HK$3.07M · min. income ≈ HK$32,808/mo (50% DSR)
Upfront cash ≈ HK$3.22M (deposit + AVD stamp duty HK$148,505 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,787
−HK$1,053/mo
▼ 0.25% · 3.875%
HK$17,310
−HK$530/mo
Today · 4.125%
HK$17,840
baseline
▲ 0.50% · 4.625%
HK$18,926
+HK$1,086/mo
Deposit HK$2.45M · loan HK$3.68M · min. income ≈ HK$35,680/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$148,505 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,676
−HK$1,009/mo
▼ 0.25% · 3.875%
HK$19,177
−HK$508/mo
Today · 4.125%
HK$19,685
baseline
▲ 0.50% · 4.625%
HK$20,722
+HK$1,037/mo
Deposit HK$2.45M · loan HK$3.68M · min. income ≈ HK$39,370/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$148,505 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,585
−HK$1,228/mo
▼ 0.25% · 3.875%
HK$20,194
−HK$619/mo
Today · 4.125%
HK$20,813
baseline
▲ 0.50% · 4.625%
HK$22,080
+HK$1,267/mo
Deposit HK$1.84M · loan HK$4.29M · min. income ≈ HK$41,626/mo (50% DSR)
Upfront cash ≈ HK$1.99M (deposit + AVD stamp duty HK$148,505 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,788
−HK$1,178/mo
▼ 0.25% · 3.875%
HK$22,373
−HK$593/mo
Today · 4.125%
HK$22,966
baseline
▲ 0.50% · 4.625%
HK$24,176
+HK$1,210/mo
Deposit HK$1.84M · loan HK$4.29M · min. income ≈ HK$45,932/mo (50% DSR)
Upfront cash ≈ HK$1.99M (deposit + AVD stamp duty HK$148,505 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,181
−HK$1,579/mo
▼ 0.25% · 3.875%
HK$25,964
−HK$796/mo
Today · 4.125%
HK$26,760
baseline
▲ 0.50% · 4.625%
HK$28,388
+HK$1,628/mo
Deposit HK$614K · loan HK$5.52M · min. income ≈ HK$53,520/mo (50% DSR)
Upfront cash ≈ HK$762K (deposit + AVD stamp duty HK$148,505 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,014
−HK$1,513/mo
▼ 0.25% · 3.875%
HK$28,765
−HK$762/mo
Today · 4.125%
HK$29,527
baseline
▲ 0.50% · 4.625%
HK$31,084
+HK$1,557/mo
Deposit HK$614K · loan HK$5.52M · min. income ≈ HK$59,054/mo (50% DSR)
Upfront cash ≈ HK$762K (deposit + AVD stamp duty HK$148,505 · 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).