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$13,977
−HK$877/mo
▼ 0.25% · 3.875%
HK$14,412
−HK$442/mo
Today · 4.125%
HK$14,854
baseline
▲ 0.50% · 4.625%
HK$15,758
+HK$904/mo
Deposit HK$3.06M · loan HK$3.06M · min. income ≈ HK$29,708/mo (50% DSR)
Upfront cash ≈ HK$3.21M (deposit + AVD stamp duty HK$147,970 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,550
−HK$840/mo
▼ 0.25% · 3.875%
HK$15,967
−HK$423/mo
Today · 4.125%
HK$16,390
baseline
▲ 0.50% · 4.625%
HK$17,254
+HK$864/mo
Deposit HK$3.06M · loan HK$3.06M · min. income ≈ HK$32,780/mo (50% DSR)
Upfront cash ≈ HK$3.21M (deposit + AVD stamp duty HK$147,970 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,773
−HK$1,052/mo
▼ 0.25% · 3.875%
HK$17,294
−HK$531/mo
Today · 4.125%
HK$17,825
baseline
▲ 0.50% · 4.625%
HK$18,909
+HK$1,084/mo
Deposit HK$2.45M · loan HK$3.68M · min. income ≈ HK$35,650/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$147,970 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,659
−HK$1,009/mo
▼ 0.25% · 3.875%
HK$19,160
−HK$508/mo
Today · 4.125%
HK$19,668
baseline
▲ 0.50% · 4.625%
HK$20,704
+HK$1,036/mo
Deposit HK$2.45M · loan HK$3.68M · min. income ≈ HK$39,336/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$147,970 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,568
−HK$1,227/mo
▼ 0.25% · 3.875%
HK$20,177
−HK$618/mo
Today · 4.125%
HK$20,795
baseline
▲ 0.50% · 4.625%
HK$22,061
+HK$1,266/mo
Deposit HK$1.84M · loan HK$4.29M · min. income ≈ HK$41,590/mo (50% DSR)
Upfront cash ≈ HK$1.99M (deposit + AVD stamp duty HK$147,970 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,769
−HK$1,177/mo
▼ 0.25% · 3.875%
HK$22,353
−HK$593/mo
Today · 4.125%
HK$22,946
baseline
▲ 0.50% · 4.625%
HK$24,155
+HK$1,209/mo
Deposit HK$1.84M · loan HK$4.29M · min. income ≈ HK$45,892/mo (50% DSR)
Upfront cash ≈ HK$1.99M (deposit + AVD stamp duty HK$147,970 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,159
−HK$1,578/mo
▼ 0.25% · 3.875%
HK$25,942
−HK$795/mo
Today · 4.125%
HK$26,737
baseline
▲ 0.50% · 4.625%
HK$28,364
+HK$1,627/mo
Deposit HK$613K · loan HK$5.52M · min. income ≈ HK$53,474/mo (50% DSR)
Upfront cash ≈ HK$761K (deposit + AVD stamp duty HK$147,970 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,989
−HK$1,512/mo
▼ 0.25% · 3.875%
HK$28,740
−HK$761/mo
Today · 4.125%
HK$29,501
baseline
▲ 0.50% · 4.625%
HK$31,056
+HK$1,555/mo
Deposit HK$613K · loan HK$5.52M · min. income ≈ HK$59,002/mo (50% DSR)
Upfront cash ≈ HK$761K (deposit + AVD stamp duty HK$147,970 · 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).