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$13,900
−HK$872/mo
▼ 0.25% · 3.875%
HK$14,332
−HK$440/mo
Today · 4.125%
HK$14,772
baseline
▲ 0.50% · 4.625%
HK$15,671
+HK$899/mo
Deposit HK$3.05M · loan HK$3.05M · min. income ≈ HK$29,544/mo (50% DSR)
Upfront cash ≈ HK$3.19M (deposit + AVD stamp duty HK$144,585 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,464
−HK$835/mo
▼ 0.25% · 3.875%
HK$15,878
−HK$421/mo
Today · 4.125%
HK$16,299
baseline
▲ 0.50% · 4.625%
HK$17,158
+HK$859/mo
Deposit HK$3.05M · loan HK$3.05M · min. income ≈ HK$32,598/mo (50% DSR)
Upfront cash ≈ HK$3.19M (deposit + AVD stamp duty HK$144,585 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,680
−HK$1,046/mo
▼ 0.25% · 3.875%
HK$17,199
−HK$527/mo
Today · 4.125%
HK$17,726
baseline
▲ 0.50% · 4.625%
HK$18,805
+HK$1,079/mo
Deposit HK$2.44M · loan HK$3.66M · min. income ≈ HK$35,452/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$144,585 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,556
−HK$1,003/mo
▼ 0.25% · 3.875%
HK$19,054
−HK$505/mo
Today · 4.125%
HK$19,559
baseline
▲ 0.50% · 4.625%
HK$20,590
+HK$1,031/mo
Deposit HK$2.44M · loan HK$3.66M · min. income ≈ HK$39,118/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$144,585 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,460
−HK$1,220/mo
▼ 0.25% · 3.875%
HK$20,065
−HK$615/mo
Today · 4.125%
HK$20,680
baseline
▲ 0.50% · 4.625%
HK$21,939
+HK$1,259/mo
Deposit HK$1.83M · loan HK$4.27M · min. income ≈ HK$41,360/mo (50% DSR)
Upfront cash ≈ HK$1.97M (deposit + AVD stamp duty HK$144,585 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,649
−HK$1,170/mo
▼ 0.25% · 3.875%
HK$22,230
−HK$589/mo
Today · 4.125%
HK$22,819
baseline
▲ 0.50% · 4.625%
HK$24,022
+HK$1,203/mo
Deposit HK$1.83M · loan HK$4.27M · min. income ≈ HK$45,638/mo (50% DSR)
Upfront cash ≈ HK$1.97M (deposit + AVD stamp duty HK$144,585 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,020
−HK$1,569/mo
▼ 0.25% · 3.875%
HK$25,798
−HK$791/mo
Today · 4.125%
HK$26,589
baseline
▲ 0.50% · 4.625%
HK$28,207
+HK$1,618/mo
Deposit HK$610K · loan HK$5.49M · min. income ≈ HK$53,178/mo (50% DSR)
Upfront cash ≈ HK$754K (deposit + AVD stamp duty HK$144,585 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,835
−HK$1,503/mo
▼ 0.25% · 3.875%
HK$28,581
−HK$757/mo
Today · 4.125%
HK$29,338
baseline
▲ 0.50% · 4.625%
HK$30,885
+HK$1,547/mo
Deposit HK$610K · loan HK$5.49M · min. income ≈ HK$58,676/mo (50% DSR)
Upfront cash ≈ HK$754K (deposit + AVD stamp duty HK$144,585 · 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).