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$13,982
−HK$877/mo
▼ 0.25% · 3.875%
HK$14,417
−HK$442/mo
Today · 4.125%
HK$14,859
baseline
▲ 0.50% · 4.625%
HK$15,763
+HK$904/mo
Deposit HK$3.07M · loan HK$3.07M · min. income ≈ HK$29,718/mo (50% DSR)
Upfront cash ≈ HK$3.21M (deposit + AVD stamp duty HK$148,195 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,555
−HK$841/mo
▼ 0.25% · 3.875%
HK$15,972
−HK$424/mo
Today · 4.125%
HK$16,396
baseline
▲ 0.50% · 4.625%
HK$17,260
+HK$864/mo
Deposit HK$3.07M · loan HK$3.07M · min. income ≈ HK$32,792/mo (50% DSR)
Upfront cash ≈ HK$3.21M (deposit + AVD stamp duty HK$148,195 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,779
−HK$1,052/mo
▼ 0.25% · 3.875%
HK$17,301
−HK$530/mo
Today · 4.125%
HK$17,831
baseline
▲ 0.50% · 4.625%
HK$18,916
+HK$1,085/mo
Deposit HK$2.45M · loan HK$3.68M · min. income ≈ HK$35,662/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$148,195 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,666
−HK$1,009/mo
▼ 0.25% · 3.875%
HK$19,167
−HK$508/mo
Today · 4.125%
HK$19,675
baseline
▲ 0.50% · 4.625%
HK$20,712
+HK$1,037/mo
Deposit HK$2.45M · loan HK$3.68M · min. income ≈ HK$39,350/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$148,195 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,575
−HK$1,228/mo
▼ 0.25% · 3.875%
HK$20,184
−HK$619/mo
Today · 4.125%
HK$20,803
baseline
▲ 0.50% · 4.625%
HK$22,069
+HK$1,266/mo
Deposit HK$1.84M · loan HK$4.29M · min. income ≈ HK$41,606/mo (50% DSR)
Upfront cash ≈ HK$1.99M (deposit + AVD stamp duty HK$148,195 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,777
−HK$1,177/mo
▼ 0.25% · 3.875%
HK$22,361
−HK$593/mo
Today · 4.125%
HK$22,954
baseline
▲ 0.50% · 4.625%
HK$24,164
+HK$1,210/mo
Deposit HK$1.84M · loan HK$4.29M · min. income ≈ HK$45,908/mo (50% DSR)
Upfront cash ≈ HK$1.99M (deposit + AVD stamp duty HK$148,195 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,168
−HK$1,579/mo
▼ 0.25% · 3.875%
HK$25,951
−HK$796/mo
Today · 4.125%
HK$26,747
baseline
▲ 0.50% · 4.625%
HK$28,374
+HK$1,627/mo
Deposit HK$613K · loan HK$5.52M · min. income ≈ HK$53,494/mo (50% DSR)
Upfront cash ≈ HK$761K (deposit + AVD stamp duty HK$148,195 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,000
−HK$1,512/mo
▼ 0.25% · 3.875%
HK$28,750
−HK$762/mo
Today · 4.125%
HK$29,512
baseline
▲ 0.50% · 4.625%
HK$31,068
+HK$1,556/mo
Deposit HK$613K · loan HK$5.52M · min. income ≈ HK$59,024/mo (50% DSR)
Upfront cash ≈ HK$761K (deposit + AVD stamp duty HK$148,195 · 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).