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$13,953
−HK$874/mo
▼ 0.25% · 3.875%
HK$14,387
−HK$440/mo
Today · 4.125%
HK$14,827
baseline
▲ 0.50% · 4.625%
HK$15,730
+HK$903/mo
Deposit HK$3.06M · loan HK$3.06M · min. income ≈ HK$29,654/mo (50% DSR)
Upfront cash ≈ HK$3.21M (deposit + AVD stamp duty HK$146,884 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,522
−HK$839/mo
▼ 0.25% · 3.875%
HK$15,938
−HK$423/mo
Today · 4.125%
HK$16,361
baseline
▲ 0.50% · 4.625%
HK$17,223
+HK$862/mo
Deposit HK$3.06M · loan HK$3.06M · min. income ≈ HK$32,722/mo (50% DSR)
Upfront cash ≈ HK$3.21M (deposit + AVD stamp duty HK$146,884 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,743
−HK$1,050/mo
▼ 0.25% · 3.875%
HK$17,264
−HK$529/mo
Today · 4.125%
HK$17,793
baseline
▲ 0.50% · 4.625%
HK$18,876
+HK$1,083/mo
Deposit HK$2.45M · loan HK$3.67M · min. income ≈ HK$35,586/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$146,884 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,626
−HK$1,007/mo
▼ 0.25% · 3.875%
HK$19,126
−HK$507/mo
Today · 4.125%
HK$19,633
baseline
▲ 0.50% · 4.625%
HK$20,668
+HK$1,035/mo
Deposit HK$2.45M · loan HK$3.67M · min. income ≈ HK$39,266/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$146,884 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,534
−HK$1,224/mo
▼ 0.25% · 3.875%
HK$20,141
−HK$617/mo
Today · 4.125%
HK$20,758
baseline
▲ 0.50% · 4.625%
HK$22,022
+HK$1,264/mo
Deposit HK$1.84M · loan HK$4.28M · min. income ≈ HK$41,516/mo (50% DSR)
Upfront cash ≈ HK$1.98M (deposit + AVD stamp duty HK$146,884 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,731
−HK$1,174/mo
▼ 0.25% · 3.875%
HK$22,314
−HK$591/mo
Today · 4.125%
HK$22,905
baseline
▲ 0.50% · 4.625%
HK$24,112
+HK$1,207/mo
Deposit HK$1.84M · loan HK$4.28M · min. income ≈ HK$45,810/mo (50% DSR)
Upfront cash ≈ HK$1.98M (deposit + AVD stamp duty HK$146,884 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,115
−HK$1,574/mo
▼ 0.25% · 3.875%
HK$25,896
−HK$793/mo
Today · 4.125%
HK$26,689
baseline
▲ 0.50% · 4.625%
HK$28,313
+HK$1,624/mo
Deposit HK$612K · loan HK$5.51M · min. income ≈ HK$53,378/mo (50% DSR)
Upfront cash ≈ HK$759K (deposit + AVD stamp duty HK$146,884 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,940
−HK$1,509/mo
▼ 0.25% · 3.875%
HK$28,689
−HK$760/mo
Today · 4.125%
HK$29,449
baseline
▲ 0.50% · 4.625%
HK$31,001
+HK$1,552/mo
Deposit HK$612K · loan HK$5.51M · min. income ≈ HK$58,898/mo (50% DSR)
Upfront cash ≈ HK$759K (deposit + AVD stamp duty HK$146,884 · 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).