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$13,955
−HK$875/mo
▼ 0.25% · 3.875%
HK$14,389
−HK$441/mo
Today · 4.125%
HK$14,830
baseline
▲ 0.50% · 4.625%
HK$15,732
+HK$902/mo
Deposit HK$3.06M · loan HK$3.06M · min. income ≈ HK$29,660/mo (50% DSR)
Upfront cash ≈ HK$3.21M (deposit + AVD stamp duty HK$146,978 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,524
−HK$839/mo
▼ 0.25% · 3.875%
HK$15,941
−HK$422/mo
Today · 4.125%
HK$16,363
baseline
▲ 0.50% · 4.625%
HK$17,226
+HK$863/mo
Deposit HK$3.06M · loan HK$3.06M · min. income ≈ HK$32,726/mo (50% DSR)
Upfront cash ≈ HK$3.21M (deposit + AVD stamp duty HK$146,978 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,746
−HK$1,050/mo
▼ 0.25% · 3.875%
HK$17,266
−HK$530/mo
Today · 4.125%
HK$17,796
baseline
▲ 0.50% · 4.625%
HK$18,879
+HK$1,083/mo
Deposit HK$2.45M · loan HK$3.67M · min. income ≈ HK$35,592/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$146,978 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,629
−HK$1,007/mo
▼ 0.25% · 3.875%
HK$19,129
−HK$507/mo
Today · 4.125%
HK$19,636
baseline
▲ 0.50% · 4.625%
HK$20,671
+HK$1,035/mo
Deposit HK$2.45M · loan HK$3.67M · min. income ≈ HK$39,272/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$146,978 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,537
−HK$1,225/mo
▼ 0.25% · 3.875%
HK$20,144
−HK$618/mo
Today · 4.125%
HK$20,762
baseline
▲ 0.50% · 4.625%
HK$22,025
+HK$1,263/mo
Deposit HK$1.84M · loan HK$4.28M · min. income ≈ HK$41,524/mo (50% DSR)
Upfront cash ≈ HK$1.98M (deposit + AVD stamp duty HK$146,978 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,734
−HK$1,174/mo
▼ 0.25% · 3.875%
HK$22,317
−HK$591/mo
Today · 4.125%
HK$22,908
baseline
▲ 0.50% · 4.625%
HK$24,116
+HK$1,208/mo
Deposit HK$1.84M · loan HK$4.28M · min. income ≈ HK$45,816/mo (50% DSR)
Upfront cash ≈ HK$1.98M (deposit + AVD stamp duty HK$146,978 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,118
−HK$1,576/mo
▼ 0.25% · 3.875%
HK$25,900
−HK$794/mo
Today · 4.125%
HK$26,694
baseline
▲ 0.50% · 4.625%
HK$28,318
+HK$1,624/mo
Deposit HK$612K · loan HK$5.51M · min. income ≈ HK$53,388/mo (50% DSR)
Upfront cash ≈ HK$759K (deposit + AVD stamp duty HK$146,978 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,944
−HK$1,510/mo
▼ 0.25% · 3.875%
HK$28,693
−HK$761/mo
Today · 4.125%
HK$29,454
baseline
▲ 0.50% · 4.625%
HK$31,006
+HK$1,552/mo
Deposit HK$612K · loan HK$5.51M · min. income ≈ HK$58,908/mo (50% DSR)
Upfront cash ≈ HK$759K (deposit + AVD stamp duty HK$146,978 · 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).