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$13,991
−HK$877/mo
▼ 0.25% · 3.875%
HK$14,426
−HK$442/mo
Today · 4.125%
HK$14,868
baseline
▲ 0.50% · 4.625%
HK$15,773
+HK$905/mo
Deposit HK$3.07M · loan HK$3.07M · min. income ≈ HK$29,736/mo (50% DSR)
Upfront cash ≈ HK$3.22M (deposit + AVD stamp duty HK$148,561 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,565
−HK$840/mo
▼ 0.25% · 3.875%
HK$15,982
−HK$423/mo
Today · 4.125%
HK$16,405
baseline
▲ 0.50% · 4.625%
HK$17,270
+HK$865/mo
Deposit HK$3.07M · loan HK$3.07M · min. income ≈ HK$32,810/mo (50% DSR)
Upfront cash ≈ HK$3.22M (deposit + AVD stamp duty HK$148,561 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,789
−HK$1,053/mo
▼ 0.25% · 3.875%
HK$17,311
−HK$531/mo
Today · 4.125%
HK$17,842
baseline
▲ 0.50% · 4.625%
HK$18,927
+HK$1,085/mo
Deposit HK$2.45M · loan HK$3.68M · min. income ≈ HK$35,684/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$148,561 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,677
−HK$1,010/mo
▼ 0.25% · 3.875%
HK$19,178
−HK$509/mo
Today · 4.125%
HK$19,687
baseline
▲ 0.50% · 4.625%
HK$20,724
+HK$1,037/mo
Deposit HK$2.45M · loan HK$3.68M · min. income ≈ HK$39,374/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$148,561 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,587
−HK$1,228/mo
▼ 0.25% · 3.875%
HK$20,196
−HK$619/mo
Today · 4.125%
HK$20,815
baseline
▲ 0.50% · 4.625%
HK$22,082
+HK$1,267/mo
Deposit HK$1.84M · loan HK$4.29M · min. income ≈ HK$41,630/mo (50% DSR)
Upfront cash ≈ HK$1.99M (deposit + AVD stamp duty HK$148,561 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,790
−HK$1,178/mo
▼ 0.25% · 3.875%
HK$22,375
−HK$593/mo
Today · 4.125%
HK$22,968
baseline
▲ 0.50% · 4.625%
HK$24,178
+HK$1,210/mo
Deposit HK$1.84M · loan HK$4.29M · min. income ≈ HK$45,936/mo (50% DSR)
Upfront cash ≈ HK$1.99M (deposit + AVD stamp duty HK$148,561 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,183
−HK$1,580/mo
▼ 0.25% · 3.875%
HK$25,967
−HK$796/mo
Today · 4.125%
HK$26,763
baseline
▲ 0.50% · 4.625%
HK$28,391
+HK$1,628/mo
Deposit HK$614K · loan HK$5.52M · min. income ≈ HK$53,526/mo (50% DSR)
Upfront cash ≈ HK$762K (deposit + AVD stamp duty HK$148,561 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,016
−HK$1,514/mo
▼ 0.25% · 3.875%
HK$28,768
−HK$762/mo
Today · 4.125%
HK$29,530
baseline
▲ 0.50% · 4.625%
HK$31,086
+HK$1,556/mo
Deposit HK$614K · loan HK$5.52M · min. income ≈ HK$59,060/mo (50% DSR)
Upfront cash ≈ HK$762K (deposit + AVD stamp duty HK$148,561 · 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).