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$13,919
−HK$873/mo
▼ 0.25% · 3.875%
HK$14,352
−HK$440/mo
Today · 4.125%
HK$14,792
baseline
▲ 0.50% · 4.625%
HK$15,692
+HK$900/mo
Deposit HK$3.05M · loan HK$3.05M · min. income ≈ HK$29,584/mo (50% DSR)
Upfront cash ≈ HK$3.20M (deposit + AVD stamp duty HK$145,428 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,485
−HK$837/mo
▼ 0.25% · 3.875%
HK$15,900
−HK$422/mo
Today · 4.125%
HK$16,322
baseline
▲ 0.50% · 4.625%
HK$17,182
+HK$860/mo
Deposit HK$3.05M · loan HK$3.05M · min. income ≈ HK$32,644/mo (50% DSR)
Upfront cash ≈ HK$3.20M (deposit + AVD stamp duty HK$145,428 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,703
−HK$1,048/mo
▼ 0.25% · 3.875%
HK$17,223
−HK$528/mo
Today · 4.125%
HK$17,751
baseline
▲ 0.50% · 4.625%
HK$18,831
+HK$1,080/mo
Deposit HK$2.44M · loan HK$3.66M · min. income ≈ HK$35,502/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$145,428 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,582
−HK$1,004/mo
▼ 0.25% · 3.875%
HK$19,080
−HK$506/mo
Today · 4.125%
HK$19,586
baseline
▲ 0.50% · 4.625%
HK$20,618
+HK$1,032/mo
Deposit HK$2.44M · loan HK$3.66M · min. income ≈ HK$39,172/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$145,428 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,487
−HK$1,222/mo
▼ 0.25% · 3.875%
HK$20,093
−HK$616/mo
Today · 4.125%
HK$20,709
baseline
▲ 0.50% · 4.625%
HK$21,969
+HK$1,260/mo
Deposit HK$1.83M · loan HK$4.27M · min. income ≈ HK$41,418/mo (50% DSR)
Upfront cash ≈ HK$1.98M (deposit + AVD stamp duty HK$145,428 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,679
−HK$1,171/mo
▼ 0.25% · 3.875%
HK$22,261
−HK$589/mo
Today · 4.125%
HK$22,850
baseline
▲ 0.50% · 4.625%
HK$24,055
+HK$1,205/mo
Deposit HK$1.83M · loan HK$4.27M · min. income ≈ HK$45,700/mo (50% DSR)
Upfront cash ≈ HK$1.98M (deposit + AVD stamp duty HK$145,428 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,055
−HK$1,571/mo
▼ 0.25% · 3.875%
HK$25,834
−HK$792/mo
Today · 4.125%
HK$26,626
baseline
▲ 0.50% · 4.625%
HK$28,246
+HK$1,620/mo
Deposit HK$610K · loan HK$5.49M · min. income ≈ HK$53,252/mo (50% DSR)
Upfront cash ≈ HK$756K (deposit + AVD stamp duty HK$145,428 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,873
−HK$1,506/mo
▼ 0.25% · 3.875%
HK$28,621
−HK$758/mo
Today · 4.125%
HK$29,379
baseline
▲ 0.50% · 4.625%
HK$30,928
+HK$1,549/mo
Deposit HK$610K · loan HK$5.49M · min. income ≈ HK$58,758/mo (50% DSR)
Upfront cash ≈ HK$756K (deposit + AVD stamp duty HK$145,428 · 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).