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$13,979
−HK$877/mo
▼ 0.25% · 3.875%
HK$14,414
−HK$442/mo
Today · 4.125%
HK$14,856
baseline
▲ 0.50% · 4.625%
HK$15,760
+HK$904/mo
Deposit HK$3.07M · loan HK$3.07M · min. income ≈ HK$29,712/mo (50% DSR)
Upfront cash ≈ HK$3.21M (deposit + AVD stamp duty HK$148,056 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,552
−HK$840/mo
▼ 0.25% · 3.875%
HK$15,969
−HK$423/mo
Today · 4.125%
HK$16,392
baseline
▲ 0.50% · 4.625%
HK$17,256
+HK$864/mo
Deposit HK$3.07M · loan HK$3.07M · min. income ≈ HK$32,784/mo (50% DSR)
Upfront cash ≈ HK$3.21M (deposit + AVD stamp duty HK$148,056 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,775
−HK$1,052/mo
▼ 0.25% · 3.875%
HK$17,297
−HK$530/mo
Today · 4.125%
HK$17,827
baseline
▲ 0.50% · 4.625%
HK$18,912
+HK$1,085/mo
Deposit HK$2.45M · loan HK$3.68M · min. income ≈ HK$35,654/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$148,056 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,662
−HK$1,008/mo
▼ 0.25% · 3.875%
HK$19,163
−HK$507/mo
Today · 4.125%
HK$19,670
baseline
▲ 0.50% · 4.625%
HK$20,707
+HK$1,037/mo
Deposit HK$2.45M · loan HK$3.68M · min. income ≈ HK$39,340/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$148,056 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,571
−HK$1,227/mo
▼ 0.25% · 3.875%
HK$20,180
−HK$618/mo
Today · 4.125%
HK$20,798
baseline
▲ 0.50% · 4.625%
HK$22,064
+HK$1,266/mo
Deposit HK$1.84M · loan HK$4.29M · min. income ≈ HK$41,596/mo (50% DSR)
Upfront cash ≈ HK$1.99M (deposit + AVD stamp duty HK$148,056 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,772
−HK$1,177/mo
▼ 0.25% · 3.875%
HK$22,356
−HK$593/mo
Today · 4.125%
HK$22,949
baseline
▲ 0.50% · 4.625%
HK$24,158
+HK$1,209/mo
Deposit HK$1.84M · loan HK$4.29M · min. income ≈ HK$45,898/mo (50% DSR)
Upfront cash ≈ HK$1.99M (deposit + AVD stamp duty HK$148,056 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,163
−HK$1,578/mo
▼ 0.25% · 3.875%
HK$25,945
−HK$796/mo
Today · 4.125%
HK$26,741
baseline
▲ 0.50% · 4.625%
HK$28,368
+HK$1,627/mo
Deposit HK$613K · loan HK$5.52M · min. income ≈ HK$53,482/mo (50% DSR)
Upfront cash ≈ HK$761K (deposit + AVD stamp duty HK$148,056 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,993
−HK$1,513/mo
▼ 0.25% · 3.875%
HK$28,744
−HK$762/mo
Today · 4.125%
HK$29,506
baseline
▲ 0.50% · 4.625%
HK$31,061
+HK$1,555/mo
Deposit HK$613K · loan HK$5.52M · min. income ≈ HK$59,012/mo (50% DSR)
Upfront cash ≈ HK$761K (deposit + AVD stamp duty HK$148,056 · 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).