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$13,959
−HK$875/mo
▼ 0.25% · 3.875%
HK$14,393
−HK$441/mo
Today · 4.125%
HK$14,834
baseline
▲ 0.50% · 4.625%
HK$15,737
+HK$903/mo
Deposit HK$3.06M · loan HK$3.06M · min. income ≈ HK$29,668/mo (50% DSR)
Upfront cash ≈ HK$3.21M (deposit + AVD stamp duty HK$147,161 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,529
−HK$839/mo
▼ 0.25% · 3.875%
HK$15,946
−HK$422/mo
Today · 4.125%
HK$16,368
baseline
▲ 0.50% · 4.625%
HK$17,231
+HK$863/mo
Deposit HK$3.06M · loan HK$3.06M · min. income ≈ HK$32,736/mo (50% DSR)
Upfront cash ≈ HK$3.21M (deposit + AVD stamp duty HK$147,161 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,751
−HK$1,050/mo
▼ 0.25% · 3.875%
HK$17,272
−HK$529/mo
Today · 4.125%
HK$17,801
baseline
▲ 0.50% · 4.625%
HK$18,884
+HK$1,083/mo
Deposit HK$2.45M · loan HK$3.67M · min. income ≈ HK$35,602/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$147,161 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,635
−HK$1,007/mo
▼ 0.25% · 3.875%
HK$19,135
−HK$507/mo
Today · 4.125%
HK$19,642
baseline
▲ 0.50% · 4.625%
HK$20,677
+HK$1,035/mo
Deposit HK$2.45M · loan HK$3.67M · min. income ≈ HK$39,284/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$147,161 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,542
−HK$1,226/mo
▼ 0.25% · 3.875%
HK$20,150
−HK$618/mo
Today · 4.125%
HK$20,768
baseline
▲ 0.50% · 4.625%
HK$22,032
+HK$1,264/mo
Deposit HK$1.84M · loan HK$4.29M · min. income ≈ HK$41,536/mo (50% DSR)
Upfront cash ≈ HK$1.98M (deposit + AVD stamp duty HK$147,161 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,741
−HK$1,174/mo
▼ 0.25% · 3.875%
HK$22,324
−HK$591/mo
Today · 4.125%
HK$22,915
baseline
▲ 0.50% · 4.625%
HK$24,123
+HK$1,208/mo
Deposit HK$1.84M · loan HK$4.29M · min. income ≈ HK$45,830/mo (50% DSR)
Upfront cash ≈ HK$1.98M (deposit + AVD stamp duty HK$147,161 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,126
−HK$1,576/mo
▼ 0.25% · 3.875%
HK$25,907
−HK$795/mo
Today · 4.125%
HK$26,702
baseline
▲ 0.50% · 4.625%
HK$28,326
+HK$1,624/mo
Deposit HK$612K · loan HK$5.51M · min. income ≈ HK$53,404/mo (50% DSR)
Upfront cash ≈ HK$759K (deposit + AVD stamp duty HK$147,161 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,952
−HK$1,510/mo
▼ 0.25% · 3.875%
HK$28,702
−HK$760/mo
Today · 4.125%
HK$29,462
baseline
▲ 0.50% · 4.625%
HK$31,016
+HK$1,554/mo
Deposit HK$612K · loan HK$5.51M · min. income ≈ HK$58,924/mo (50% DSR)
Upfront cash ≈ HK$759K (deposit + AVD stamp duty HK$147,161 · 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).