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$13,966
−HK$876/mo
▼ 0.25% · 3.875%
HK$14,401
−HK$441/mo
Today · 4.125%
HK$14,842
baseline
▲ 0.50% · 4.625%
HK$15,745
+HK$903/mo
Deposit HK$3.06M · loan HK$3.06M · min. income ≈ HK$29,684/mo (50% DSR)
Upfront cash ≈ HK$3.21M (deposit + AVD stamp duty HK$147,488 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,537
−HK$840/mo
▼ 0.25% · 3.875%
HK$15,954
−HK$423/mo
Today · 4.125%
HK$16,377
baseline
▲ 0.50% · 4.625%
HK$17,240
+HK$863/mo
Deposit HK$3.06M · loan HK$3.06M · min. income ≈ HK$32,754/mo (50% DSR)
Upfront cash ≈ HK$3.21M (deposit + AVD stamp duty HK$147,488 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,760
−HK$1,051/mo
▼ 0.25% · 3.875%
HK$17,281
−HK$530/mo
Today · 4.125%
HK$17,811
baseline
▲ 0.50% · 4.625%
HK$18,894
+HK$1,083/mo
Deposit HK$2.45M · loan HK$3.67M · min. income ≈ HK$35,622/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$147,488 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,645
−HK$1,007/mo
▼ 0.25% · 3.875%
HK$19,145
−HK$507/mo
Today · 4.125%
HK$19,652
baseline
▲ 0.50% · 4.625%
HK$20,688
+HK$1,036/mo
Deposit HK$2.45M · loan HK$3.67M · min. income ≈ HK$39,304/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$147,488 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,553
−HK$1,226/mo
▼ 0.25% · 3.875%
HK$20,161
−HK$618/mo
Today · 4.125%
HK$20,779
baseline
▲ 0.50% · 4.625%
HK$22,043
+HK$1,264/mo
Deposit HK$1.84M · loan HK$4.29M · min. income ≈ HK$41,558/mo (50% DSR)
Upfront cash ≈ HK$1.98M (deposit + AVD stamp duty HK$147,488 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,752
−HK$1,175/mo
▼ 0.25% · 3.875%
HK$22,336
−HK$591/mo
Today · 4.125%
HK$22,927
baseline
▲ 0.50% · 4.625%
HK$24,136
+HK$1,209/mo
Deposit HK$1.84M · loan HK$4.29M · min. income ≈ HK$45,854/mo (50% DSR)
Upfront cash ≈ HK$1.98M (deposit + AVD stamp duty HK$147,488 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,139
−HK$1,577/mo
▼ 0.25% · 3.875%
HK$25,921
−HK$795/mo
Today · 4.125%
HK$26,716
baseline
▲ 0.50% · 4.625%
HK$28,341
+HK$1,625/mo
Deposit HK$612K · loan HK$5.51M · min. income ≈ HK$53,432/mo (50% DSR)
Upfront cash ≈ HK$760K (deposit + AVD stamp duty HK$147,488 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,967
−HK$1,511/mo
▼ 0.25% · 3.875%
HK$28,717
−HK$761/mo
Today · 4.125%
HK$29,478
baseline
▲ 0.50% · 4.625%
HK$31,032
+HK$1,554/mo
Deposit HK$612K · loan HK$5.51M · min. income ≈ HK$58,956/mo (50% DSR)
Upfront cash ≈ HK$760K (deposit + AVD stamp duty HK$147,488 · 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).