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$13,982
−HK$877/mo
▼ 0.25% · 3.875%
HK$14,417
−HK$442/mo
Today · 4.125%
HK$14,859
baseline
▲ 0.50% · 4.625%
HK$15,763
+HK$904/mo
Deposit HK$3.07M · loan HK$3.07M · min. income ≈ HK$29,718/mo (50% DSR)
Upfront cash ≈ HK$3.21M (deposit + AVD stamp duty HK$148,182 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,555
−HK$840/mo
▼ 0.25% · 3.875%
HK$15,972
−HK$423/mo
Today · 4.125%
HK$16,395
baseline
▲ 0.50% · 4.625%
HK$17,260
+HK$865/mo
Deposit HK$3.07M · loan HK$3.07M · min. income ≈ HK$32,790/mo (50% DSR)
Upfront cash ≈ HK$3.21M (deposit + AVD stamp duty HK$148,182 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,779
−HK$1,052/mo
▼ 0.25% · 3.875%
HK$17,300
−HK$531/mo
Today · 4.125%
HK$17,831
baseline
▲ 0.50% · 4.625%
HK$18,916
+HK$1,085/mo
Deposit HK$2.45M · loan HK$3.68M · min. income ≈ HK$35,662/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$148,182 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,666
−HK$1,008/mo
▼ 0.25% · 3.875%
HK$19,167
−HK$507/mo
Today · 4.125%
HK$19,674
baseline
▲ 0.50% · 4.625%
HK$20,711
+HK$1,037/mo
Deposit HK$2.45M · loan HK$3.68M · min. income ≈ HK$39,348/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$148,182 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,575
−HK$1,227/mo
▼ 0.25% · 3.875%
HK$20,184
−HK$618/mo
Today · 4.125%
HK$20,802
baseline
▲ 0.50% · 4.625%
HK$22,068
+HK$1,266/mo
Deposit HK$1.84M · loan HK$4.29M · min. income ≈ HK$41,604/mo (50% DSR)
Upfront cash ≈ HK$1.99M (deposit + AVD stamp duty HK$148,182 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,777
−HK$1,176/mo
▼ 0.25% · 3.875%
HK$22,361
−HK$592/mo
Today · 4.125%
HK$22,953
baseline
▲ 0.50% · 4.625%
HK$24,163
+HK$1,210/mo
Deposit HK$1.84M · loan HK$4.29M · min. income ≈ HK$45,906/mo (50% DSR)
Upfront cash ≈ HK$1.99M (deposit + AVD stamp duty HK$148,182 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,168
−HK$1,578/mo
▼ 0.25% · 3.875%
HK$25,951
−HK$795/mo
Today · 4.125%
HK$26,746
baseline
▲ 0.50% · 4.625%
HK$28,373
+HK$1,627/mo
Deposit HK$613K · loan HK$5.52M · min. income ≈ HK$53,492/mo (50% DSR)
Upfront cash ≈ HK$761K (deposit + AVD stamp duty HK$148,182 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,999
−HK$1,513/mo
▼ 0.25% · 3.875%
HK$28,750
−HK$762/mo
Today · 4.125%
HK$29,512
baseline
▲ 0.50% · 4.625%
HK$31,067
+HK$1,555/mo
Deposit HK$613K · loan HK$5.52M · min. income ≈ HK$59,024/mo (50% DSR)
Upfront cash ≈ HK$761K (deposit + AVD stamp duty HK$148,182 · 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).