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$13,987
−HK$877/mo
▼ 0.25% · 3.875%
HK$14,422
−HK$442/mo
Today · 4.125%
HK$14,864
baseline
▲ 0.50% · 4.625%
HK$15,768
+HK$904/mo
Deposit HK$3.07M · loan HK$3.07M · min. income ≈ HK$29,728/mo (50% DSR)
Upfront cash ≈ HK$3.22M (deposit + AVD stamp duty HK$148,393 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,560
−HK$841/mo
▼ 0.25% · 3.875%
HK$15,978
−HK$423/mo
Today · 4.125%
HK$16,401
baseline
▲ 0.50% · 4.625%
HK$17,266
+HK$865/mo
Deposit HK$3.07M · loan HK$3.07M · min. income ≈ HK$32,802/mo (50% DSR)
Upfront cash ≈ HK$3.22M (deposit + AVD stamp duty HK$148,393 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,784
−HK$1,053/mo
▼ 0.25% · 3.875%
HK$17,306
−HK$531/mo
Today · 4.125%
HK$17,837
baseline
▲ 0.50% · 4.625%
HK$18,922
+HK$1,085/mo
Deposit HK$2.45M · loan HK$3.68M · min. income ≈ HK$35,674/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$148,393 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,672
−HK$1,009/mo
▼ 0.25% · 3.875%
HK$19,173
−HK$508/mo
Today · 4.125%
HK$19,681
baseline
▲ 0.50% · 4.625%
HK$20,719
+HK$1,038/mo
Deposit HK$2.45M · loan HK$3.68M · min. income ≈ HK$39,362/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$148,393 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,582
−HK$1,228/mo
▼ 0.25% · 3.875%
HK$20,191
−HK$619/mo
Today · 4.125%
HK$20,810
baseline
▲ 0.50% · 4.625%
HK$22,076
+HK$1,266/mo
Deposit HK$1.84M · loan HK$4.29M · min. income ≈ HK$41,620/mo (50% DSR)
Upfront cash ≈ HK$1.99M (deposit + AVD stamp duty HK$148,393 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,784
−HK$1,177/mo
▼ 0.25% · 3.875%
HK$22,369
−HK$592/mo
Today · 4.125%
HK$22,961
baseline
▲ 0.50% · 4.625%
HK$24,172
+HK$1,211/mo
Deposit HK$1.84M · loan HK$4.29M · min. income ≈ HK$45,922/mo (50% DSR)
Upfront cash ≈ HK$1.99M (deposit + AVD stamp duty HK$148,393 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,176
−HK$1,579/mo
▼ 0.25% · 3.875%
HK$25,960
−HK$795/mo
Today · 4.125%
HK$26,755
baseline
▲ 0.50% · 4.625%
HK$28,383
+HK$1,628/mo
Deposit HK$613K · loan HK$5.52M · min. income ≈ HK$53,510/mo (50% DSR)
Upfront cash ≈ HK$762K (deposit + AVD stamp duty HK$148,393 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,009
−HK$1,513/mo
▼ 0.25% · 3.875%
HK$28,760
−HK$762/mo
Today · 4.125%
HK$29,522
baseline
▲ 0.50% · 4.625%
HK$31,078
+HK$1,556/mo
Deposit HK$613K · loan HK$5.52M · min. income ≈ HK$59,044/mo (50% DSR)
Upfront cash ≈ HK$762K (deposit + AVD stamp duty HK$148,393 · 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).