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$13,954
−HK$876/mo
▼ 0.25% · 3.875%
HK$14,389
−HK$441/mo
Today · 4.125%
HK$14,830
baseline
▲ 0.50% · 4.625%
HK$15,732
+HK$902/mo
Deposit HK$3.06M · loan HK$3.06M · min. income ≈ HK$29,660/mo (50% DSR)
Upfront cash ≈ HK$3.21M (deposit + AVD stamp duty HK$146,970 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,524
−HK$839/mo
▼ 0.25% · 3.875%
HK$15,941
−HK$422/mo
Today · 4.125%
HK$16,363
baseline
▲ 0.50% · 4.625%
HK$17,225
+HK$862/mo
Deposit HK$3.06M · loan HK$3.06M · min. income ≈ HK$32,726/mo (50% DSR)
Upfront cash ≈ HK$3.21M (deposit + AVD stamp duty HK$146,970 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,745
−HK$1,050/mo
▼ 0.25% · 3.875%
HK$17,266
−HK$529/mo
Today · 4.125%
HK$17,795
baseline
▲ 0.50% · 4.625%
HK$18,878
+HK$1,083/mo
Deposit HK$2.45M · loan HK$3.67M · min. income ≈ HK$35,590/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$146,970 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,629
−HK$1,007/mo
▼ 0.25% · 3.875%
HK$19,129
−HK$507/mo
Today · 4.125%
HK$19,636
baseline
▲ 0.50% · 4.625%
HK$20,671
+HK$1,035/mo
Deposit HK$2.45M · loan HK$3.67M · min. income ≈ HK$39,272/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$146,970 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,536
−HK$1,225/mo
▼ 0.25% · 3.875%
HK$20,144
−HK$617/mo
Today · 4.125%
HK$20,761
baseline
▲ 0.50% · 4.625%
HK$22,025
+HK$1,264/mo
Deposit HK$1.84M · loan HK$4.28M · min. income ≈ HK$41,522/mo (50% DSR)
Upfront cash ≈ HK$1.98M (deposit + AVD stamp duty HK$146,970 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,734
−HK$1,174/mo
▼ 0.25% · 3.875%
HK$22,317
−HK$591/mo
Today · 4.125%
HK$22,908
baseline
▲ 0.50% · 4.625%
HK$24,116
+HK$1,208/mo
Deposit HK$1.84M · loan HK$4.28M · min. income ≈ HK$45,816/mo (50% DSR)
Upfront cash ≈ HK$1.98M (deposit + AVD stamp duty HK$146,970 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,118
−HK$1,575/mo
▼ 0.25% · 3.875%
HK$25,899
−HK$794/mo
Today · 4.125%
HK$26,693
baseline
▲ 0.50% · 4.625%
HK$28,317
+HK$1,624/mo
Deposit HK$612K · loan HK$5.51M · min. income ≈ HK$53,386/mo (50% DSR)
Upfront cash ≈ HK$759K (deposit + AVD stamp duty HK$146,970 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,944
−HK$1,509/mo
▼ 0.25% · 3.875%
HK$28,693
−HK$760/mo
Today · 4.125%
HK$29,453
baseline
▲ 0.50% · 4.625%
HK$31,006
+HK$1,553/mo
Deposit HK$612K · loan HK$5.51M · min. income ≈ HK$58,906/mo (50% DSR)
Upfront cash ≈ HK$759K (deposit + AVD stamp duty HK$146,970 · 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).