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$13,977
−HK$876/mo
▼ 0.25% · 3.875%
HK$14,411
−HK$442/mo
Today · 4.125%
HK$14,853
baseline
▲ 0.50% · 4.625%
HK$15,757
+HK$904/mo
Deposit HK$3.06M · loan HK$3.06M · min. income ≈ HK$29,706/mo (50% DSR)
Upfront cash ≈ HK$3.21M (deposit + AVD stamp duty HK$147,940 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,549
−HK$840/mo
▼ 0.25% · 3.875%
HK$15,966
−HK$423/mo
Today · 4.125%
HK$16,389
baseline
▲ 0.50% · 4.625%
HK$17,253
+HK$864/mo
Deposit HK$3.06M · loan HK$3.06M · min. income ≈ HK$32,778/mo (50% DSR)
Upfront cash ≈ HK$3.21M (deposit + AVD stamp duty HK$147,940 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,772
−HK$1,052/mo
▼ 0.25% · 3.875%
HK$17,294
−HK$530/mo
Today · 4.125%
HK$17,824
baseline
▲ 0.50% · 4.625%
HK$18,908
+HK$1,084/mo
Deposit HK$2.45M · loan HK$3.68M · min. income ≈ HK$35,648/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$147,940 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,659
−HK$1,008/mo
▼ 0.25% · 3.875%
HK$19,159
−HK$508/mo
Today · 4.125%
HK$19,667
baseline
▲ 0.50% · 4.625%
HK$20,703
+HK$1,036/mo
Deposit HK$2.45M · loan HK$3.68M · min. income ≈ HK$39,334/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$147,940 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,567
−HK$1,227/mo
▼ 0.25% · 3.875%
HK$20,176
−HK$618/mo
Today · 4.125%
HK$20,794
baseline
▲ 0.50% · 4.625%
HK$22,060
+HK$1,266/mo
Deposit HK$1.84M · loan HK$4.29M · min. income ≈ HK$41,588/mo (50% DSR)
Upfront cash ≈ HK$1.99M (deposit + AVD stamp duty HK$147,940 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,768
−HK$1,176/mo
▼ 0.25% · 3.875%
HK$22,352
−HK$592/mo
Today · 4.125%
HK$22,944
baseline
▲ 0.50% · 4.625%
HK$24,154
+HK$1,210/mo
Deposit HK$1.84M · loan HK$4.29M · min. income ≈ HK$45,888/mo (50% DSR)
Upfront cash ≈ HK$1.99M (deposit + AVD stamp duty HK$147,940 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,158
−HK$1,578/mo
▼ 0.25% · 3.875%
HK$25,940
−HK$796/mo
Today · 4.125%
HK$26,736
baseline
▲ 0.50% · 4.625%
HK$28,362
+HK$1,626/mo
Deposit HK$613K · loan HK$5.52M · min. income ≈ HK$53,472/mo (50% DSR)
Upfront cash ≈ HK$761K (deposit + AVD stamp duty HK$147,940 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,988
−HK$1,512/mo
▼ 0.25% · 3.875%
HK$28,739
−HK$761/mo
Today · 4.125%
HK$29,500
baseline
▲ 0.50% · 4.625%
HK$31,055
+HK$1,555/mo
Deposit HK$613K · loan HK$5.52M · min. income ≈ HK$59,000/mo (50% DSR)
Upfront cash ≈ HK$761K (deposit + AVD stamp duty HK$147,940 · 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).