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$13,983
−HK$877/mo
▼ 0.25% · 3.875%
HK$14,418
−HK$442/mo
Today · 4.125%
HK$14,860
baseline
▲ 0.50% · 4.625%
HK$15,764
+HK$904/mo
Deposit HK$3.07M · loan HK$3.07M · min. income ≈ HK$29,720/mo (50% DSR)
Upfront cash ≈ HK$3.21M (deposit + AVD stamp duty HK$148,218 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,556
−HK$840/mo
▼ 0.25% · 3.875%
HK$15,973
−HK$423/mo
Today · 4.125%
HK$16,396
baseline
▲ 0.50% · 4.625%
HK$17,261
+HK$865/mo
Deposit HK$3.07M · loan HK$3.07M · min. income ≈ HK$32,792/mo (50% DSR)
Upfront cash ≈ HK$3.21M (deposit + AVD stamp duty HK$148,218 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,780
−HK$1,052/mo
▼ 0.25% · 3.875%
HK$17,301
−HK$531/mo
Today · 4.125%
HK$17,832
baseline
▲ 0.50% · 4.625%
HK$18,917
+HK$1,085/mo
Deposit HK$2.45M · loan HK$3.68M · min. income ≈ HK$35,664/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$148,218 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,667
−HK$1,009/mo
▼ 0.25% · 3.875%
HK$19,168
−HK$508/mo
Today · 4.125%
HK$19,676
baseline
▲ 0.50% · 4.625%
HK$20,713
+HK$1,037/mo
Deposit HK$2.45M · loan HK$3.68M · min. income ≈ HK$39,352/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$148,218 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,576
−HK$1,228/mo
▼ 0.25% · 3.875%
HK$20,185
−HK$619/mo
Today · 4.125%
HK$20,804
baseline
▲ 0.50% · 4.625%
HK$22,070
+HK$1,266/mo
Deposit HK$1.84M · loan HK$4.29M · min. income ≈ HK$41,608/mo (50% DSR)
Upfront cash ≈ HK$1.99M (deposit + AVD stamp duty HK$148,218 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,778
−HK$1,177/mo
▼ 0.25% · 3.875%
HK$22,362
−HK$593/mo
Today · 4.125%
HK$22,955
baseline
▲ 0.50% · 4.625%
HK$24,165
+HK$1,210/mo
Deposit HK$1.84M · loan HK$4.29M · min. income ≈ HK$45,910/mo (50% DSR)
Upfront cash ≈ HK$1.99M (deposit + AVD stamp duty HK$148,218 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,169
−HK$1,579/mo
▼ 0.25% · 3.875%
HK$25,952
−HK$796/mo
Today · 4.125%
HK$26,748
baseline
▲ 0.50% · 4.625%
HK$28,375
+HK$1,627/mo
Deposit HK$613K · loan HK$5.52M · min. income ≈ HK$53,496/mo (50% DSR)
Upfront cash ≈ HK$761K (deposit + AVD stamp duty HK$148,218 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,001
−HK$1,512/mo
▼ 0.25% · 3.875%
HK$28,752
−HK$761/mo
Today · 4.125%
HK$29,513
baseline
▲ 0.50% · 4.625%
HK$31,069
+HK$1,556/mo
Deposit HK$613K · loan HK$5.52M · min. income ≈ HK$59,026/mo (50% DSR)
Upfront cash ≈ HK$761K (deposit + AVD stamp duty HK$148,218 · 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).