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$13,978
−HK$877/mo
▼ 0.25% · 3.875%
HK$14,413
−HK$442/mo
Today · 4.125%
HK$14,855
baseline
▲ 0.50% · 4.625%
HK$15,759
+HK$904/mo
Deposit HK$3.07M · loan HK$3.07M · min. income ≈ HK$29,710/mo (50% DSR)
Upfront cash ≈ HK$3.21M (deposit + AVD stamp duty HK$148,022 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,551
−HK$840/mo
▼ 0.25% · 3.875%
HK$15,968
−HK$423/mo
Today · 4.125%
HK$16,391
baseline
▲ 0.50% · 4.625%
HK$17,255
+HK$864/mo
Deposit HK$3.07M · loan HK$3.07M · min. income ≈ HK$32,782/mo (50% DSR)
Upfront cash ≈ HK$3.21M (deposit + AVD stamp duty HK$148,022 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,774
−HK$1,052/mo
▼ 0.25% · 3.875%
HK$17,296
−HK$530/mo
Today · 4.125%
HK$17,826
baseline
▲ 0.50% · 4.625%
HK$18,911
+HK$1,085/mo
Deposit HK$2.45M · loan HK$3.68M · min. income ≈ HK$35,652/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$148,022 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,661
−HK$1,008/mo
▼ 0.25% · 3.875%
HK$19,162
−HK$507/mo
Today · 4.125%
HK$19,669
baseline
▲ 0.50% · 4.625%
HK$20,706
+HK$1,037/mo
Deposit HK$2.45M · loan HK$3.68M · min. income ≈ HK$39,338/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$148,022 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,570
−HK$1,227/mo
▼ 0.25% · 3.875%
HK$20,179
−HK$618/mo
Today · 4.125%
HK$20,797
baseline
▲ 0.50% · 4.625%
HK$22,063
+HK$1,266/mo
Deposit HK$1.84M · loan HK$4.29M · min. income ≈ HK$41,594/mo (50% DSR)
Upfront cash ≈ HK$1.99M (deposit + AVD stamp duty HK$148,022 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,771
−HK$1,177/mo
▼ 0.25% · 3.875%
HK$22,355
−HK$593/mo
Today · 4.125%
HK$22,948
baseline
▲ 0.50% · 4.625%
HK$24,157
+HK$1,209/mo
Deposit HK$1.84M · loan HK$4.29M · min. income ≈ HK$45,896/mo (50% DSR)
Upfront cash ≈ HK$1.99M (deposit + AVD stamp duty HK$148,022 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,161
−HK$1,578/mo
▼ 0.25% · 3.875%
HK$25,944
−HK$795/mo
Today · 4.125%
HK$26,739
baseline
▲ 0.50% · 4.625%
HK$28,366
+HK$1,627/mo
Deposit HK$613K · loan HK$5.52M · min. income ≈ HK$53,478/mo (50% DSR)
Upfront cash ≈ HK$761K (deposit + AVD stamp duty HK$148,022 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,992
−HK$1,512/mo
▼ 0.25% · 3.875%
HK$28,742
−HK$762/mo
Today · 4.125%
HK$29,504
baseline
▲ 0.50% · 4.625%
HK$31,059
+HK$1,555/mo
Deposit HK$613K · loan HK$5.52M · min. income ≈ HK$59,008/mo (50% DSR)
Upfront cash ≈ HK$761K (deposit + AVD stamp duty HK$148,022 · 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).