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$13,948
−HK$875/mo
▼ 0.25% · 3.875%
HK$14,382
−HK$441/mo
Today · 4.125%
HK$14,823
baseline
▲ 0.50% · 4.625%
HK$15,725
+HK$902/mo
Deposit HK$3.06M · loan HK$3.06M · min. income ≈ HK$29,646/mo (50% DSR)
Upfront cash ≈ HK$3.21M (deposit + AVD stamp duty HK$146,696 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,517
−HK$839/mo
▼ 0.25% · 3.875%
HK$15,933
−HK$423/mo
Today · 4.125%
HK$16,356
baseline
▲ 0.50% · 4.625%
HK$17,218
+HK$862/mo
Deposit HK$3.06M · loan HK$3.06M · min. income ≈ HK$32,712/mo (50% DSR)
Upfront cash ≈ HK$3.21M (deposit + AVD stamp duty HK$146,696 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,738
−HK$1,049/mo
▼ 0.25% · 3.875%
HK$17,259
−HK$528/mo
Today · 4.125%
HK$17,787
baseline
▲ 0.50% · 4.625%
HK$18,870
+HK$1,083/mo
Deposit HK$2.45M · loan HK$3.67M · min. income ≈ HK$35,574/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$146,696 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,621
−HK$1,006/mo
▼ 0.25% · 3.875%
HK$19,120
−HK$507/mo
Today · 4.125%
HK$19,627
baseline
▲ 0.50% · 4.625%
HK$20,661
+HK$1,034/mo
Deposit HK$2.45M · loan HK$3.67M · min. income ≈ HK$39,254/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$146,696 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,528
−HK$1,224/mo
▼ 0.25% · 3.875%
HK$20,135
−HK$617/mo
Today · 4.125%
HK$20,752
baseline
▲ 0.50% · 4.625%
HK$22,015
+HK$1,263/mo
Deposit HK$1.84M · loan HK$4.28M · min. income ≈ HK$41,504/mo (50% DSR)
Upfront cash ≈ HK$1.98M (deposit + AVD stamp duty HK$146,696 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,724
−HK$1,174/mo
▼ 0.25% · 3.875%
HK$22,307
−HK$591/mo
Today · 4.125%
HK$22,898
baseline
▲ 0.50% · 4.625%
HK$24,105
+HK$1,207/mo
Deposit HK$1.84M · loan HK$4.28M · min. income ≈ HK$45,796/mo (50% DSR)
Upfront cash ≈ HK$1.98M (deposit + AVD stamp duty HK$146,696 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,107
−HK$1,574/mo
▼ 0.25% · 3.875%
HK$25,888
−HK$793/mo
Today · 4.125%
HK$26,681
baseline
▲ 0.50% · 4.625%
HK$28,305
+HK$1,624/mo
Deposit HK$612K · loan HK$5.51M · min. income ≈ HK$53,362/mo (50% DSR)
Upfront cash ≈ HK$758K (deposit + AVD stamp duty HK$146,696 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,931
−HK$1,509/mo
▼ 0.25% · 3.875%
HK$28,680
−HK$760/mo
Today · 4.125%
HK$29,440
baseline
▲ 0.50% · 4.625%
HK$30,992
+HK$1,552/mo
Deposit HK$612K · loan HK$5.51M · min. income ≈ HK$58,880/mo (50% DSR)
Upfront cash ≈ HK$758K (deposit + AVD stamp duty HK$146,696 · 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).