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$13,981
−HK$877/mo
▼ 0.25% · 3.875%
HK$14,416
−HK$442/mo
Today · 4.125%
HK$14,858
baseline
▲ 0.50% · 4.625%
HK$15,762
+HK$904/mo
Deposit HK$3.07M · loan HK$3.07M · min. income ≈ HK$29,716/mo (50% DSR)
Upfront cash ≈ HK$3.21M (deposit + AVD stamp duty HK$148,145 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,554
−HK$840/mo
▼ 0.25% · 3.875%
HK$15,971
−HK$423/mo
Today · 4.125%
HK$16,394
baseline
▲ 0.50% · 4.625%
HK$17,259
+HK$865/mo
Deposit HK$3.07M · loan HK$3.07M · min. income ≈ HK$32,788/mo (50% DSR)
Upfront cash ≈ HK$3.21M (deposit + AVD stamp duty HK$148,145 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,778
−HK$1,052/mo
▼ 0.25% · 3.875%
HK$17,299
−HK$531/mo
Today · 4.125%
HK$17,830
baseline
▲ 0.50% · 4.625%
HK$18,915
+HK$1,085/mo
Deposit HK$2.45M · loan HK$3.68M · min. income ≈ HK$35,660/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$148,145 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,665
−HK$1,008/mo
▼ 0.25% · 3.875%
HK$19,165
−HK$508/mo
Today · 4.125%
HK$19,673
baseline
▲ 0.50% · 4.625%
HK$20,710
+HK$1,037/mo
Deposit HK$2.45M · loan HK$3.68M · min. income ≈ HK$39,346/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$148,145 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,574
−HK$1,227/mo
▼ 0.25% · 3.875%
HK$20,183
−HK$618/mo
Today · 4.125%
HK$20,801
baseline
▲ 0.50% · 4.625%
HK$22,067
+HK$1,266/mo
Deposit HK$1.84M · loan HK$4.29M · min. income ≈ HK$41,602/mo (50% DSR)
Upfront cash ≈ HK$1.99M (deposit + AVD stamp duty HK$148,145 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,776
−HK$1,176/mo
▼ 0.25% · 3.875%
HK$22,360
−HK$592/mo
Today · 4.125%
HK$22,952
baseline
▲ 0.50% · 4.625%
HK$24,162
+HK$1,210/mo
Deposit HK$1.84M · loan HK$4.29M · min. income ≈ HK$45,904/mo (50% DSR)
Upfront cash ≈ HK$1.99M (deposit + AVD stamp duty HK$148,145 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,166
−HK$1,578/mo
▼ 0.25% · 3.875%
HK$25,949
−HK$795/mo
Today · 4.125%
HK$26,744
baseline
▲ 0.50% · 4.625%
HK$28,372
+HK$1,628/mo
Deposit HK$613K · loan HK$5.52M · min. income ≈ HK$53,488/mo (50% DSR)
Upfront cash ≈ HK$761K (deposit + AVD stamp duty HK$148,145 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,997
−HK$1,513/mo
▼ 0.25% · 3.875%
HK$28,748
−HK$762/mo
Today · 4.125%
HK$29,510
baseline
▲ 0.50% · 4.625%
HK$31,065
+HK$1,555/mo
Deposit HK$613K · loan HK$5.52M · min. income ≈ HK$59,020/mo (50% DSR)
Upfront cash ≈ HK$761K (deposit + AVD stamp duty HK$148,145 · 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).