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$13,964
−HK$876/mo
▼ 0.25% · 3.875%
HK$14,398
−HK$442/mo
Today · 4.125%
HK$14,840
baseline
▲ 0.50% · 4.625%
HK$15,742
+HK$902/mo
Deposit HK$3.06M · loan HK$3.06M · min. income ≈ HK$29,680/mo (50% DSR)
Upfront cash ≈ HK$3.21M (deposit + AVD stamp duty HK$147,383 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,535
−HK$839/mo
▼ 0.25% · 3.875%
HK$15,951
−HK$423/mo
Today · 4.125%
HK$16,374
baseline
▲ 0.50% · 4.625%
HK$17,237
+HK$863/mo
Deposit HK$3.06M · loan HK$3.06M · min. income ≈ HK$32,748/mo (50% DSR)
Upfront cash ≈ HK$3.21M (deposit + AVD stamp duty HK$147,383 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,757
−HK$1,050/mo
▼ 0.25% · 3.875%
HK$17,278
−HK$529/mo
Today · 4.125%
HK$17,807
baseline
▲ 0.50% · 4.625%
HK$18,891
+HK$1,084/mo
Deposit HK$2.45M · loan HK$3.67M · min. income ≈ HK$35,614/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$147,383 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,642
−HK$1,007/mo
▼ 0.25% · 3.875%
HK$19,142
−HK$507/mo
Today · 4.125%
HK$19,649
baseline
▲ 0.50% · 4.625%
HK$20,684
+HK$1,035/mo
Deposit HK$2.45M · loan HK$3.67M · min. income ≈ HK$39,298/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$147,383 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,549
−HK$1,226/mo
▼ 0.25% · 3.875%
HK$20,158
−HK$617/mo
Today · 4.125%
HK$20,775
baseline
▲ 0.50% · 4.625%
HK$22,039
+HK$1,264/mo
Deposit HK$1.84M · loan HK$4.29M · min. income ≈ HK$41,550/mo (50% DSR)
Upfront cash ≈ HK$1.98M (deposit + AVD stamp duty HK$147,383 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,749
−HK$1,175/mo
▼ 0.25% · 3.875%
HK$22,332
−HK$592/mo
Today · 4.125%
HK$22,924
baseline
▲ 0.50% · 4.625%
HK$24,132
+HK$1,208/mo
Deposit HK$1.84M · loan HK$4.29M · min. income ≈ HK$45,848/mo (50% DSR)
Upfront cash ≈ HK$1.98M (deposit + AVD stamp duty HK$147,383 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,135
−HK$1,576/mo
▼ 0.25% · 3.875%
HK$25,917
−HK$794/mo
Today · 4.125%
HK$26,711
baseline
▲ 0.50% · 4.625%
HK$28,336
+HK$1,625/mo
Deposit HK$612K · loan HK$5.51M · min. income ≈ HK$53,422/mo (50% DSR)
Upfront cash ≈ HK$760K (deposit + AVD stamp duty HK$147,383 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,962
−HK$1,511/mo
▼ 0.25% · 3.875%
HK$28,712
−HK$761/mo
Today · 4.125%
HK$29,473
baseline
▲ 0.50% · 4.625%
HK$31,027
+HK$1,554/mo
Deposit HK$612K · loan HK$5.51M · min. income ≈ HK$58,946/mo (50% DSR)
Upfront cash ≈ HK$760K (deposit + AVD stamp duty HK$147,383 · 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).