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$13,909
−HK$872/mo
▼ 0.25% · 3.875%
HK$14,341
−HK$440/mo
Today · 4.125%
HK$14,781
baseline
▲ 0.50% · 4.625%
HK$15,680
+HK$899/mo
Deposit HK$3.05M · loan HK$3.05M · min. income ≈ HK$29,562/mo (50% DSR)
Upfront cash ≈ HK$3.19M (deposit + AVD stamp duty HK$144,955 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,473
−HK$836/mo
▼ 0.25% · 3.875%
HK$15,888
−HK$421/mo
Today · 4.125%
HK$16,309
baseline
▲ 0.50% · 4.625%
HK$17,169
+HK$860/mo
Deposit HK$3.05M · loan HK$3.05M · min. income ≈ HK$32,618/mo (50% DSR)
Upfront cash ≈ HK$3.19M (deposit + AVD stamp duty HK$144,955 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,690
−HK$1,047/mo
▼ 0.25% · 3.875%
HK$17,209
−HK$528/mo
Today · 4.125%
HK$17,737
baseline
▲ 0.50% · 4.625%
HK$18,816
+HK$1,079/mo
Deposit HK$2.44M · loan HK$3.66M · min. income ≈ HK$35,474/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$144,955 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,568
−HK$1,003/mo
▼ 0.25% · 3.875%
HK$19,066
−HK$505/mo
Today · 4.125%
HK$19,571
baseline
▲ 0.50% · 4.625%
HK$20,602
+HK$1,031/mo
Deposit HK$2.44M · loan HK$3.66M · min. income ≈ HK$39,142/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$144,955 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,472
−HK$1,221/mo
▼ 0.25% · 3.875%
HK$20,078
−HK$615/mo
Today · 4.125%
HK$20,693
baseline
▲ 0.50% · 4.625%
HK$21,952
+HK$1,259/mo
Deposit HK$1.83M · loan HK$4.27M · min. income ≈ HK$41,386/mo (50% DSR)
Upfront cash ≈ HK$1.97M (deposit + AVD stamp duty HK$144,955 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,662
−HK$1,171/mo
▼ 0.25% · 3.875%
HK$22,243
−HK$590/mo
Today · 4.125%
HK$22,833
baseline
▲ 0.50% · 4.625%
HK$24,036
+HK$1,203/mo
Deposit HK$1.83M · loan HK$4.27M · min. income ≈ HK$45,666/mo (50% DSR)
Upfront cash ≈ HK$1.97M (deposit + AVD stamp duty HK$144,955 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,035
−HK$1,570/mo
▼ 0.25% · 3.875%
HK$25,814
−HK$791/mo
Today · 4.125%
HK$26,605
baseline
▲ 0.50% · 4.625%
HK$28,224
+HK$1,619/mo
Deposit HK$610K · loan HK$5.49M · min. income ≈ HK$53,210/mo (50% DSR)
Upfront cash ≈ HK$755K (deposit + AVD stamp duty HK$144,955 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,852
−HK$1,504/mo
▼ 0.25% · 3.875%
HK$28,599
−HK$757/mo
Today · 4.125%
HK$29,356
baseline
▲ 0.50% · 4.625%
HK$30,904
+HK$1,548/mo
Deposit HK$610K · loan HK$5.49M · min. income ≈ HK$58,712/mo (50% DSR)
Upfront cash ≈ HK$755K (deposit + AVD stamp duty HK$144,955 · 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).