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$13,913
−HK$873/mo
▼ 0.25% · 3.875%
HK$14,346
−HK$440/mo
Today · 4.125%
HK$14,786
baseline
▲ 0.50% · 4.625%
HK$15,685
+HK$899/mo
Deposit HK$3.05M · loan HK$3.05M · min. income ≈ HK$29,572/mo (50% DSR)
Upfront cash ≈ HK$3.20M (deposit + AVD stamp duty HK$145,162 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,478
−HK$837/mo
▼ 0.25% · 3.875%
HK$15,893
−HK$422/mo
Today · 4.125%
HK$16,315
baseline
▲ 0.50% · 4.625%
HK$17,175
+HK$860/mo
Deposit HK$3.05M · loan HK$3.05M · min. income ≈ HK$32,630/mo (50% DSR)
Upfront cash ≈ HK$3.20M (deposit + AVD stamp duty HK$145,162 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,696
−HK$1,047/mo
▼ 0.25% · 3.875%
HK$17,215
−HK$528/mo
Today · 4.125%
HK$17,743
baseline
▲ 0.50% · 4.625%
HK$18,822
+HK$1,079/mo
Deposit HK$2.44M · loan HK$3.66M · min. income ≈ HK$35,486/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$145,162 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,574
−HK$1,004/mo
▼ 0.25% · 3.875%
HK$19,072
−HK$506/mo
Today · 4.125%
HK$19,578
baseline
▲ 0.50% · 4.625%
HK$20,609
+HK$1,031/mo
Deposit HK$2.44M · loan HK$3.66M · min. income ≈ HK$39,156/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$145,162 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,479
−HK$1,221/mo
▼ 0.25% · 3.875%
HK$20,084
−HK$616/mo
Today · 4.125%
HK$20,700
baseline
▲ 0.50% · 4.625%
HK$21,960
+HK$1,260/mo
Deposit HK$1.83M · loan HK$4.27M · min. income ≈ HK$41,400/mo (50% DSR)
Upfront cash ≈ HK$1.98M (deposit + AVD stamp duty HK$145,162 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,670
−HK$1,170/mo
▼ 0.25% · 3.875%
HK$22,251
−HK$589/mo
Today · 4.125%
HK$22,840
baseline
▲ 0.50% · 4.625%
HK$24,044
+HK$1,204/mo
Deposit HK$1.83M · loan HK$4.27M · min. income ≈ HK$45,680/mo (50% DSR)
Upfront cash ≈ HK$1.98M (deposit + AVD stamp duty HK$145,162 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,044
−HK$1,570/mo
▼ 0.25% · 3.875%
HK$25,823
−HK$791/mo
Today · 4.125%
HK$26,614
baseline
▲ 0.50% · 4.625%
HK$28,234
+HK$1,620/mo
Deposit HK$610K · loan HK$5.49M · min. income ≈ HK$53,228/mo (50% DSR)
Upfront cash ≈ HK$755K (deposit + AVD stamp duty HK$145,162 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,861
−HK$1,505/mo
▼ 0.25% · 3.875%
HK$28,608
−HK$758/mo
Today · 4.125%
HK$29,366
baseline
▲ 0.50% · 4.625%
HK$30,914
+HK$1,548/mo
Deposit HK$610K · loan HK$5.49M · min. income ≈ HK$58,732/mo (50% DSR)
Upfront cash ≈ HK$755K (deposit + AVD stamp duty HK$145,162 · 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).