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$13,917
−HK$872/mo
▼ 0.25% · 3.875%
HK$14,350
−HK$439/mo
Today · 4.125%
HK$14,789
baseline
▲ 0.50% · 4.625%
HK$15,689
+HK$900/mo
Deposit HK$3.05M · loan HK$3.05M · min. income ≈ HK$29,578/mo (50% DSR)
Upfront cash ≈ HK$3.20M (deposit + AVD stamp duty HK$145,315 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,482
−HK$837/mo
▼ 0.25% · 3.875%
HK$15,897
−HK$422/mo
Today · 4.125%
HK$16,319
baseline
▲ 0.50% · 4.625%
HK$17,179
+HK$860/mo
Deposit HK$3.05M · loan HK$3.05M · min. income ≈ HK$32,638/mo (50% DSR)
Upfront cash ≈ HK$3.20M (deposit + AVD stamp duty HK$145,315 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,700
−HK$1,047/mo
▼ 0.25% · 3.875%
HK$17,220
−HK$527/mo
Today · 4.125%
HK$17,747
baseline
▲ 0.50% · 4.625%
HK$18,827
+HK$1,080/mo
Deposit HK$2.44M · loan HK$3.66M · min. income ≈ HK$35,494/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$145,315 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,579
−HK$1,003/mo
▼ 0.25% · 3.875%
HK$19,077
−HK$505/mo
Today · 4.125%
HK$19,582
baseline
▲ 0.50% · 4.625%
HK$20,615
+HK$1,033/mo
Deposit HK$2.44M · loan HK$3.66M · min. income ≈ HK$39,164/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$145,315 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,483
−HK$1,222/mo
▼ 0.25% · 3.875%
HK$20,089
−HK$616/mo
Today · 4.125%
HK$20,705
baseline
▲ 0.50% · 4.625%
HK$21,965
+HK$1,260/mo
Deposit HK$1.83M · loan HK$4.27M · min. income ≈ HK$41,410/mo (50% DSR)
Upfront cash ≈ HK$1.98M (deposit + AVD stamp duty HK$145,315 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,675
−HK$1,171/mo
▼ 0.25% · 3.875%
HK$22,256
−HK$590/mo
Today · 4.125%
HK$22,846
baseline
▲ 0.50% · 4.625%
HK$24,050
+HK$1,204/mo
Deposit HK$1.83M · loan HK$4.27M · min. income ≈ HK$45,692/mo (50% DSR)
Upfront cash ≈ HK$1.98M (deposit + AVD stamp duty HK$145,315 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,050
−HK$1,571/mo
▼ 0.25% · 3.875%
HK$25,829
−HK$792/mo
Today · 4.125%
HK$26,621
baseline
▲ 0.50% · 4.625%
HK$28,241
+HK$1,620/mo
Deposit HK$610K · loan HK$5.49M · min. income ≈ HK$53,242/mo (50% DSR)
Upfront cash ≈ HK$756K (deposit + AVD stamp duty HK$145,315 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,868
−HK$1,506/mo
▼ 0.25% · 3.875%
HK$28,615
−HK$759/mo
Today · 4.125%
HK$29,374
baseline
▲ 0.50% · 4.625%
HK$30,922
+HK$1,548/mo
Deposit HK$610K · loan HK$5.49M · min. income ≈ HK$58,748/mo (50% DSR)
Upfront cash ≈ HK$756K (deposit + AVD stamp duty HK$145,315 · 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).