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$13,918
−HK$873/mo
▼ 0.25% · 3.875%
HK$14,351
−HK$440/mo
Today · 4.125%
HK$14,791
baseline
▲ 0.50% · 4.625%
HK$15,691
+HK$900/mo
Deposit HK$3.05M · loan HK$3.05M · min. income ≈ HK$29,582/mo (50% DSR)
Upfront cash ≈ HK$3.20M (deposit + AVD stamp duty HK$145,380 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,484
−HK$836/mo
▼ 0.25% · 3.875%
HK$15,899
−HK$421/mo
Today · 4.125%
HK$16,320
baseline
▲ 0.50% · 4.625%
HK$17,181
+HK$861/mo
Deposit HK$3.05M · loan HK$3.05M · min. income ≈ HK$32,640/mo (50% DSR)
Upfront cash ≈ HK$3.20M (deposit + AVD stamp duty HK$145,380 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,702
−HK$1,047/mo
▼ 0.25% · 3.875%
HK$17,221
−HK$528/mo
Today · 4.125%
HK$17,749
baseline
▲ 0.50% · 4.625%
HK$18,829
+HK$1,080/mo
Deposit HK$2.44M · loan HK$3.66M · min. income ≈ HK$35,498/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$145,380 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,581
−HK$1,004/mo
▼ 0.25% · 3.875%
HK$19,079
−HK$506/mo
Today · 4.125%
HK$19,585
baseline
▲ 0.50% · 4.625%
HK$20,617
+HK$1,032/mo
Deposit HK$2.44M · loan HK$3.66M · min. income ≈ HK$39,170/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$145,380 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,486
−HK$1,221/mo
▼ 0.25% · 3.875%
HK$20,092
−HK$615/mo
Today · 4.125%
HK$20,707
baseline
▲ 0.50% · 4.625%
HK$21,967
+HK$1,260/mo
Deposit HK$1.83M · loan HK$4.27M · min. income ≈ HK$41,414/mo (50% DSR)
Upfront cash ≈ HK$1.98M (deposit + AVD stamp duty HK$145,380 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,677
−HK$1,172/mo
▼ 0.25% · 3.875%
HK$22,259
−HK$590/mo
Today · 4.125%
HK$22,849
baseline
▲ 0.50% · 4.625%
HK$24,053
+HK$1,204/mo
Deposit HK$1.83M · loan HK$4.27M · min. income ≈ HK$45,698/mo (50% DSR)
Upfront cash ≈ HK$1.98M (deposit + AVD stamp duty HK$145,380 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,053
−HK$1,571/mo
▼ 0.25% · 3.875%
HK$25,832
−HK$792/mo
Today · 4.125%
HK$26,624
baseline
▲ 0.50% · 4.625%
HK$28,244
+HK$1,620/mo
Deposit HK$610K · loan HK$5.49M · min. income ≈ HK$53,248/mo (50% DSR)
Upfront cash ≈ HK$756K (deposit + AVD stamp duty HK$145,380 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,871
−HK$1,506/mo
▼ 0.25% · 3.875%
HK$28,618
−HK$759/mo
Today · 4.125%
HK$29,377
baseline
▲ 0.50% · 4.625%
HK$30,925
+HK$1,548/mo
Deposit HK$610K · loan HK$5.49M · min. income ≈ HK$58,754/mo (50% DSR)
Upfront cash ≈ HK$756K (deposit + AVD stamp duty HK$145,380 · 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).