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$13,983
−HK$876/mo
▼ 0.25% · 3.875%
HK$14,418
−HK$441/mo
Today · 4.125%
HK$14,859
baseline
▲ 0.50% · 4.625%
HK$15,764
+HK$905/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$148,206 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,556
−HK$840/mo
▼ 0.25% · 3.875%
HK$15,973
−HK$423/mo
Today · 4.125%
HK$16,396
baseline
▲ 0.50% · 4.625%
HK$17,260
+HK$864/mo
Deposit HK$3.07M · loan HK$3.07M · min. income ≈ HK$32,792/mo (50% DSR)
Upfront cash ≈ HK$3.21M (deposit + AVD stamp duty HK$148,206 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,779
−HK$1,052/mo
▼ 0.25% · 3.875%
HK$17,301
−HK$530/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$148,206 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,667
−HK$1,008/mo
▼ 0.25% · 3.875%
HK$19,167
−HK$508/mo
Today · 4.125%
HK$19,675
baseline
▲ 0.50% · 4.625%
HK$20,712
+HK$1,037/mo
Deposit HK$2.45M · loan HK$3.68M · min. income ≈ HK$39,350/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$148,206 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,576
−HK$1,227/mo
▼ 0.25% · 3.875%
HK$20,185
−HK$618/mo
Today · 4.125%
HK$20,803
baseline
▲ 0.50% · 4.625%
HK$22,069
+HK$1,266/mo
Deposit HK$1.84M · loan HK$4.29M · min. income ≈ HK$41,606/mo (50% DSR)
Upfront cash ≈ HK$1.99M (deposit + AVD stamp duty HK$148,206 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,778
−HK$1,176/mo
▼ 0.25% · 3.875%
HK$22,362
−HK$592/mo
Today · 4.125%
HK$22,954
baseline
▲ 0.50% · 4.625%
HK$24,164
+HK$1,210/mo
Deposit HK$1.84M · loan HK$4.29M · min. income ≈ HK$45,908/mo (50% DSR)
Upfront cash ≈ HK$1.99M (deposit + AVD stamp duty HK$148,206 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,169
−HK$1,578/mo
▼ 0.25% · 3.875%
HK$25,952
−HK$795/mo
Today · 4.125%
HK$26,747
baseline
▲ 0.50% · 4.625%
HK$28,375
+HK$1,628/mo
Deposit HK$613K · loan HK$5.52M · min. income ≈ HK$53,494/mo (50% DSR)
Upfront cash ≈ HK$761K (deposit + AVD stamp duty HK$148,206 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,000
−HK$1,513/mo
▼ 0.25% · 3.875%
HK$28,751
−HK$762/mo
Today · 4.125%
HK$29,513
baseline
▲ 0.50% · 4.625%
HK$31,068
+HK$1,555/mo
Deposit HK$613K · loan HK$5.52M · min. income ≈ HK$59,026/mo (50% DSR)
Upfront cash ≈ HK$761K (deposit + AVD stamp duty HK$148,206 · 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).