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$13,951
−HK$875/mo
▼ 0.25% · 3.875%
HK$14,385
−HK$441/mo
Today · 4.125%
HK$14,826
baseline
▲ 0.50% · 4.625%
HK$15,728
+HK$902/mo
Deposit HK$3.06M · loan HK$3.06M · min. income ≈ HK$29,652/mo (50% DSR)
Upfront cash ≈ HK$3.21M (deposit + AVD stamp duty HK$146,819 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,520
−HK$839/mo
▼ 0.25% · 3.875%
HK$15,937
−HK$422/mo
Today · 4.125%
HK$16,359
baseline
▲ 0.50% · 4.625%
HK$17,221
+HK$862/mo
Deposit HK$3.06M · loan HK$3.06M · min. income ≈ HK$32,718/mo (50% DSR)
Upfront cash ≈ HK$3.21M (deposit + AVD stamp duty HK$146,819 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,741
−HK$1,050/mo
▼ 0.25% · 3.875%
HK$17,262
−HK$529/mo
Today · 4.125%
HK$17,791
baseline
▲ 0.50% · 4.625%
HK$18,874
+HK$1,083/mo
Deposit HK$2.45M · loan HK$3.67M · min. income ≈ HK$35,582/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$146,819 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,624
−HK$1,007/mo
▼ 0.25% · 3.875%
HK$19,124
−HK$507/mo
Today · 4.125%
HK$19,631
baseline
▲ 0.50% · 4.625%
HK$20,665
+HK$1,034/mo
Deposit HK$2.45M · loan HK$3.67M · min. income ≈ HK$39,262/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$146,819 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,531
−HK$1,225/mo
▼ 0.25% · 3.875%
HK$20,139
−HK$617/mo
Today · 4.125%
HK$20,756
baseline
▲ 0.50% · 4.625%
HK$22,019
+HK$1,263/mo
Deposit HK$1.84M · loan HK$4.28M · min. income ≈ HK$41,512/mo (50% DSR)
Upfront cash ≈ HK$1.98M (deposit + AVD stamp duty HK$146,819 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,729
−HK$1,173/mo
▼ 0.25% · 3.875%
HK$22,311
−HK$591/mo
Today · 4.125%
HK$22,902
baseline
▲ 0.50% · 4.625%
HK$24,110
+HK$1,208/mo
Deposit HK$1.84M · loan HK$4.28M · min. income ≈ HK$45,804/mo (50% DSR)
Upfront cash ≈ HK$1.98M (deposit + AVD stamp duty HK$146,819 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,112
−HK$1,575/mo
▼ 0.25% · 3.875%
HK$25,893
−HK$794/mo
Today · 4.125%
HK$26,687
baseline
▲ 0.50% · 4.625%
HK$28,310
+HK$1,623/mo
Deposit HK$612K · loan HK$5.51M · min. income ≈ HK$53,374/mo (50% DSR)
Upfront cash ≈ HK$759K (deposit + AVD stamp duty HK$146,819 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,937
−HK$1,509/mo
▼ 0.25% · 3.875%
HK$28,686
−HK$760/mo
Today · 4.125%
HK$29,446
baseline
▲ 0.50% · 4.625%
HK$30,998
+HK$1,552/mo
Deposit HK$612K · loan HK$5.51M · min. income ≈ HK$58,892/mo (50% DSR)
Upfront cash ≈ HK$759K (deposit + AVD stamp duty HK$146,819 · 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).