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$13,892
−HK$871/mo
▼ 0.25% · 3.875%
HK$14,324
−HK$439/mo
Today · 4.125%
HK$14,763
baseline
▲ 0.50% · 4.625%
HK$15,662
+HK$899/mo
Deposit HK$3.05M · loan HK$3.05M · min. income ≈ HK$29,526/mo (50% DSR)
Upfront cash ≈ HK$3.19M (deposit + AVD stamp duty HK$144,232 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,455
−HK$835/mo
▼ 0.25% · 3.875%
HK$15,869
−HK$421/mo
Today · 4.125%
HK$16,290
baseline
▲ 0.50% · 4.625%
HK$17,148
+HK$858/mo
Deposit HK$3.05M · loan HK$3.05M · min. income ≈ HK$32,580/mo (50% DSR)
Upfront cash ≈ HK$3.19M (deposit + AVD stamp duty HK$144,232 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,670
−HK$1,046/mo
▼ 0.25% · 3.875%
HK$17,189
−HK$527/mo
Today · 4.125%
HK$17,716
baseline
▲ 0.50% · 4.625%
HK$18,794
+HK$1,078/mo
Deposit HK$2.44M · loan HK$3.66M · min. income ≈ HK$35,432/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$144,232 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,546
−HK$1,002/mo
▼ 0.25% · 3.875%
HK$19,043
−HK$505/mo
Today · 4.125%
HK$19,548
baseline
▲ 0.50% · 4.625%
HK$20,578
+HK$1,030/mo
Deposit HK$2.44M · loan HK$3.66M · min. income ≈ HK$39,096/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$144,232 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,449
−HK$1,219/mo
▼ 0.25% · 3.875%
HK$20,054
−HK$614/mo
Today · 4.125%
HK$20,668
baseline
▲ 0.50% · 4.625%
HK$21,926
+HK$1,258/mo
Deposit HK$1.83M · loan HK$4.26M · min. income ≈ HK$41,336/mo (50% DSR)
Upfront cash ≈ HK$1.97M (deposit + AVD stamp duty HK$144,232 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,637
−HK$1,169/mo
▼ 0.25% · 3.875%
HK$22,217
−HK$589/mo
Today · 4.125%
HK$22,806
baseline
▲ 0.50% · 4.625%
HK$24,008
+HK$1,202/mo
Deposit HK$1.83M · loan HK$4.26M · min. income ≈ HK$45,612/mo (50% DSR)
Upfront cash ≈ HK$1.97M (deposit + AVD stamp duty HK$144,232 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,006
−HK$1,568/mo
▼ 0.25% · 3.875%
HK$25,783
−HK$791/mo
Today · 4.125%
HK$26,574
baseline
▲ 0.50% · 4.625%
HK$28,191
+HK$1,617/mo
Deposit HK$609K · loan HK$5.48M · min. income ≈ HK$53,148/mo (50% DSR)
Upfront cash ≈ HK$753K (deposit + AVD stamp duty HK$144,232 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,819
−HK$1,503/mo
▼ 0.25% · 3.875%
HK$28,565
−HK$757/mo
Today · 4.125%
HK$29,322
baseline
▲ 0.50% · 4.625%
HK$30,867
+HK$1,545/mo
Deposit HK$609K · loan HK$5.48M · min. income ≈ HK$58,644/mo (50% DSR)
Upfront cash ≈ HK$753K (deposit + AVD stamp duty HK$144,232 · 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).