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$13,905
−HK$872/mo
▼ 0.25% · 3.875%
HK$14,337
−HK$440/mo
Today · 4.125%
HK$14,777
baseline
▲ 0.50% · 4.625%
HK$15,676
+HK$899/mo
Deposit HK$3.05M · loan HK$3.05M · min. income ≈ HK$29,554/mo (50% DSR)
Upfront cash ≈ HK$3.19M (deposit + AVD stamp duty HK$144,785 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,469
−HK$836/mo
▼ 0.25% · 3.875%
HK$15,884
−HK$421/mo
Today · 4.125%
HK$16,305
baseline
▲ 0.50% · 4.625%
HK$17,164
+HK$859/mo
Deposit HK$3.05M · loan HK$3.05M · min. income ≈ HK$32,610/mo (50% DSR)
Upfront cash ≈ HK$3.19M (deposit + AVD stamp duty HK$144,785 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,686
−HK$1,046/mo
▼ 0.25% · 3.875%
HK$17,205
−HK$527/mo
Today · 4.125%
HK$17,732
baseline
▲ 0.50% · 4.625%
HK$18,811
+HK$1,079/mo
Deposit HK$2.44M · loan HK$3.66M · min. income ≈ HK$35,464/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$144,785 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,563
−HK$1,002/mo
▼ 0.25% · 3.875%
HK$19,060
−HK$505/mo
Today · 4.125%
HK$19,565
baseline
▲ 0.50% · 4.625%
HK$20,597
+HK$1,032/mo
Deposit HK$2.44M · loan HK$3.66M · min. income ≈ HK$39,130/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$144,785 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,467
−HK$1,220/mo
▼ 0.25% · 3.875%
HK$20,072
−HK$615/mo
Today · 4.125%
HK$20,687
baseline
▲ 0.50% · 4.625%
HK$21,946
+HK$1,259/mo
Deposit HK$1.83M · loan HK$4.27M · min. income ≈ HK$41,374/mo (50% DSR)
Upfront cash ≈ HK$1.97M (deposit + AVD stamp duty HK$144,785 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,656
−HK$1,170/mo
▼ 0.25% · 3.875%
HK$22,237
−HK$589/mo
Today · 4.125%
HK$22,826
baseline
▲ 0.50% · 4.625%
HK$24,030
+HK$1,204/mo
Deposit HK$1.83M · loan HK$4.27M · min. income ≈ HK$45,652/mo (50% DSR)
Upfront cash ≈ HK$1.97M (deposit + AVD stamp duty HK$144,785 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,028
−HK$1,570/mo
▼ 0.25% · 3.875%
HK$25,807
−HK$791/mo
Today · 4.125%
HK$26,598
baseline
▲ 0.50% · 4.625%
HK$28,216
+HK$1,618/mo
Deposit HK$610K · loan HK$5.49M · min. income ≈ HK$53,196/mo (50% DSR)
Upfront cash ≈ HK$755K (deposit + AVD stamp duty HK$144,785 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,844
−HK$1,504/mo
▼ 0.25% · 3.875%
HK$28,591
−HK$757/mo
Today · 4.125%
HK$29,348
baseline
▲ 0.50% · 4.625%
HK$30,895
+HK$1,547/mo
Deposit HK$610K · loan HK$5.49M · min. income ≈ HK$58,696/mo (50% DSR)
Upfront cash ≈ HK$755K (deposit + AVD stamp duty HK$144,785 · 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).