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$13,957
−HK$876/mo
▼ 0.25% · 3.875%
HK$14,392
−HK$441/mo
Today · 4.125%
HK$14,833
baseline
▲ 0.50% · 4.625%
HK$15,735
+HK$902/mo
Deposit HK$3.06M · loan HK$3.06M · min. income ≈ HK$29,666/mo (50% DSR)
Upfront cash ≈ HK$3.21M (deposit + AVD stamp duty HK$147,097 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,527
−HK$839/mo
▼ 0.25% · 3.875%
HK$15,944
−HK$422/mo
Today · 4.125%
HK$16,366
baseline
▲ 0.50% · 4.625%
HK$17,229
+HK$863/mo
Deposit HK$3.06M · loan HK$3.06M · min. income ≈ HK$32,732/mo (50% DSR)
Upfront cash ≈ HK$3.21M (deposit + AVD stamp duty HK$147,097 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,749
−HK$1,050/mo
▼ 0.25% · 3.875%
HK$17,270
−HK$529/mo
Today · 4.125%
HK$17,799
baseline
▲ 0.50% · 4.625%
HK$18,882
+HK$1,083/mo
Deposit HK$2.45M · loan HK$3.67M · min. income ≈ HK$35,598/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$147,097 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,633
−HK$1,007/mo
▼ 0.25% · 3.875%
HK$19,133
−HK$507/mo
Today · 4.125%
HK$19,640
baseline
▲ 0.50% · 4.625%
HK$20,675
+HK$1,035/mo
Deposit HK$2.45M · loan HK$3.67M · min. income ≈ HK$39,280/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$147,097 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,540
−HK$1,226/mo
▼ 0.25% · 3.875%
HK$20,148
−HK$618/mo
Today · 4.125%
HK$20,766
baseline
▲ 0.50% · 4.625%
HK$22,029
+HK$1,263/mo
Deposit HK$1.84M · loan HK$4.28M · min. income ≈ HK$41,532/mo (50% DSR)
Upfront cash ≈ HK$1.98M (deposit + AVD stamp duty HK$147,097 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,738
−HK$1,175/mo
▼ 0.25% · 3.875%
HK$22,321
−HK$592/mo
Today · 4.125%
HK$22,913
baseline
▲ 0.50% · 4.625%
HK$24,121
+HK$1,208/mo
Deposit HK$1.84M · loan HK$4.28M · min. income ≈ HK$45,826/mo (50% DSR)
Upfront cash ≈ HK$1.98M (deposit + AVD stamp duty HK$147,097 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,123
−HK$1,576/mo
▼ 0.25% · 3.875%
HK$25,905
−HK$794/mo
Today · 4.125%
HK$26,699
baseline
▲ 0.50% · 4.625%
HK$28,323
+HK$1,624/mo
Deposit HK$612K · loan HK$5.51M · min. income ≈ HK$53,398/mo (50% DSR)
Upfront cash ≈ HK$759K (deposit + AVD stamp duty HK$147,097 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,949
−HK$1,510/mo
▼ 0.25% · 3.875%
HK$28,699
−HK$760/mo
Today · 4.125%
HK$29,459
baseline
▲ 0.50% · 4.625%
HK$31,012
+HK$1,553/mo
Deposit HK$612K · loan HK$5.51M · min. income ≈ HK$58,918/mo (50% DSR)
Upfront cash ≈ HK$759K (deposit + AVD stamp duty HK$147,097 · 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).