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$13,897
−HK$872/mo
▼ 0.25% · 3.875%
HK$14,330
−HK$439/mo
Today · 4.125%
HK$14,769
baseline
▲ 0.50% · 4.625%
HK$15,667
+HK$898/mo
Deposit HK$3.05M · loan HK$3.05M · min. income ≈ HK$29,538/mo (50% DSR)
Upfront cash ≈ HK$3.19M (deposit + AVD stamp duty HK$144,464 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,461
−HK$835/mo
▼ 0.25% · 3.875%
HK$15,875
−HK$421/mo
Today · 4.125%
HK$16,296
baseline
▲ 0.50% · 4.625%
HK$17,155
+HK$859/mo
Deposit HK$3.05M · loan HK$3.05M · min. income ≈ HK$32,592/mo (50% DSR)
Upfront cash ≈ HK$3.19M (deposit + AVD stamp duty HK$144,464 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,677
−HK$1,046/mo
▼ 0.25% · 3.875%
HK$17,196
−HK$527/mo
Today · 4.125%
HK$17,723
baseline
▲ 0.50% · 4.625%
HK$18,801
+HK$1,078/mo
Deposit HK$2.44M · loan HK$3.66M · min. income ≈ HK$35,446/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$144,464 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,553
−HK$1,002/mo
▼ 0.25% · 3.875%
HK$19,050
−HK$505/mo
Today · 4.125%
HK$19,555
baseline
▲ 0.50% · 4.625%
HK$20,586
+HK$1,031/mo
Deposit HK$2.44M · loan HK$3.66M · min. income ≈ HK$39,110/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$144,464 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,456
−HK$1,220/mo
▼ 0.25% · 3.875%
HK$20,061
−HK$615/mo
Today · 4.125%
HK$20,676
baseline
▲ 0.50% · 4.625%
HK$21,934
+HK$1,258/mo
Deposit HK$1.83M · loan HK$4.27M · min. income ≈ HK$41,352/mo (50% DSR)
Upfront cash ≈ HK$1.97M (deposit + AVD stamp duty HK$144,464 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,645
−HK$1,169/mo
▼ 0.25% · 3.875%
HK$22,225
−HK$589/mo
Today · 4.125%
HK$22,814
baseline
▲ 0.50% · 4.625%
HK$24,017
+HK$1,203/mo
Deposit HK$1.83M · loan HK$4.27M · min. income ≈ HK$45,628/mo (50% DSR)
Upfront cash ≈ HK$1.97M (deposit + AVD stamp duty HK$144,464 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,015
−HK$1,569/mo
▼ 0.25% · 3.875%
HK$25,793
−HK$791/mo
Today · 4.125%
HK$26,584
baseline
▲ 0.50% · 4.625%
HK$28,201
+HK$1,617/mo
Deposit HK$609K · loan HK$5.49M · min. income ≈ HK$53,168/mo (50% DSR)
Upfront cash ≈ HK$754K (deposit + AVD stamp duty HK$144,464 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,829
−HK$1,504/mo
▼ 0.25% · 3.875%
HK$28,576
−HK$757/mo
Today · 4.125%
HK$29,333
baseline
▲ 0.50% · 4.625%
HK$30,879
+HK$1,546/mo
Deposit HK$609K · loan HK$5.49M · min. income ≈ HK$58,666/mo (50% DSR)
Upfront cash ≈ HK$754K (deposit + AVD stamp duty HK$144,464 · 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).