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$13,917
−HK$873/mo
▼ 0.25% · 3.875%
HK$14,350
−HK$440/mo
Today · 4.125%
HK$14,790
baseline
▲ 0.50% · 4.625%
HK$15,690
+HK$900/mo
Deposit HK$3.05M · loan HK$3.05M · min. income ≈ HK$29,580/mo (50% DSR)
Upfront cash ≈ HK$3.20M (deposit + AVD stamp duty HK$145,341 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,483
−HK$836/mo
▼ 0.25% · 3.875%
HK$15,898
−HK$421/mo
Today · 4.125%
HK$16,319
baseline
▲ 0.50% · 4.625%
HK$17,180
+HK$861/mo
Deposit HK$3.05M · loan HK$3.05M · min. income ≈ HK$32,638/mo (50% DSR)
Upfront cash ≈ HK$3.20M (deposit + AVD stamp duty HK$145,341 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,701
−HK$1,047/mo
▼ 0.25% · 3.875%
HK$17,220
−HK$528/mo
Today · 4.125%
HK$17,748
baseline
▲ 0.50% · 4.625%
HK$18,828
+HK$1,080/mo
Deposit HK$2.44M · loan HK$3.66M · min. income ≈ HK$35,496/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$145,341 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,579
−HK$1,004/mo
▼ 0.25% · 3.875%
HK$19,078
−HK$505/mo
Today · 4.125%
HK$19,583
baseline
▲ 0.50% · 4.625%
HK$20,616
+HK$1,033/mo
Deposit HK$2.44M · loan HK$3.66M · min. income ≈ HK$39,166/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$145,341 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,484
−HK$1,222/mo
▼ 0.25% · 3.875%
HK$20,090
−HK$616/mo
Today · 4.125%
HK$20,706
baseline
▲ 0.50% · 4.625%
HK$21,966
+HK$1,260/mo
Deposit HK$1.83M · loan HK$4.27M · min. income ≈ HK$41,412/mo (50% DSR)
Upfront cash ≈ HK$1.98M (deposit + AVD stamp duty HK$145,341 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,676
−HK$1,171/mo
▼ 0.25% · 3.875%
HK$22,257
−HK$590/mo
Today · 4.125%
HK$22,847
baseline
▲ 0.50% · 4.625%
HK$24,051
+HK$1,204/mo
Deposit HK$1.83M · loan HK$4.27M · min. income ≈ HK$45,694/mo (50% DSR)
Upfront cash ≈ HK$1.98M (deposit + AVD stamp duty HK$145,341 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,051
−HK$1,571/mo
▼ 0.25% · 3.875%
HK$25,830
−HK$792/mo
Today · 4.125%
HK$26,622
baseline
▲ 0.50% · 4.625%
HK$28,242
+HK$1,620/mo
Deposit HK$610K · loan HK$5.49M · min. income ≈ HK$53,244/mo (50% DSR)
Upfront cash ≈ HK$756K (deposit + AVD stamp duty HK$145,341 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,869
−HK$1,506/mo
▼ 0.25% · 3.875%
HK$28,617
−HK$758/mo
Today · 4.125%
HK$29,375
baseline
▲ 0.50% · 4.625%
HK$30,923
+HK$1,548/mo
Deposit HK$610K · loan HK$5.49M · min. income ≈ HK$58,750/mo (50% DSR)
Upfront cash ≈ HK$756K (deposit + AVD stamp duty HK$145,341 · 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).