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$13,980
−HK$876/mo
▼ 0.25% · 3.875%
HK$14,414
−HK$442/mo
Today · 4.125%
HK$14,856
baseline
▲ 0.50% · 4.625%
HK$15,760
+HK$904/mo
Deposit HK$3.07M · loan HK$3.07M · min. income ≈ HK$29,712/mo (50% DSR)
Upfront cash ≈ HK$3.21M (deposit + AVD stamp duty HK$148,071 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,552
−HK$840/mo
▼ 0.25% · 3.875%
HK$15,969
−HK$423/mo
Today · 4.125%
HK$16,392
baseline
▲ 0.50% · 4.625%
HK$17,256
+HK$864/mo
Deposit HK$3.07M · loan HK$3.07M · min. income ≈ HK$32,784/mo (50% DSR)
Upfront cash ≈ HK$3.21M (deposit + AVD stamp duty HK$148,071 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,776
−HK$1,051/mo
▼ 0.25% · 3.875%
HK$17,297
−HK$530/mo
Today · 4.125%
HK$17,827
baseline
▲ 0.50% · 4.625%
HK$18,912
+HK$1,085/mo
Deposit HK$2.45M · loan HK$3.68M · min. income ≈ HK$35,654/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$148,071 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,663
−HK$1,008/mo
▼ 0.25% · 3.875%
HK$19,163
−HK$508/mo
Today · 4.125%
HK$19,671
baseline
▲ 0.50% · 4.625%
HK$20,708
+HK$1,037/mo
Deposit HK$2.45M · loan HK$3.68M · min. income ≈ HK$39,342/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$148,071 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,571
−HK$1,228/mo
▼ 0.25% · 3.875%
HK$20,180
−HK$619/mo
Today · 4.125%
HK$20,799
baseline
▲ 0.50% · 4.625%
HK$22,064
+HK$1,265/mo
Deposit HK$1.84M · loan HK$4.29M · min. income ≈ HK$41,598/mo (50% DSR)
Upfront cash ≈ HK$1.99M (deposit + AVD stamp duty HK$148,071 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,773
−HK$1,176/mo
▼ 0.25% · 3.875%
HK$22,357
−HK$592/mo
Today · 4.125%
HK$22,949
baseline
▲ 0.50% · 4.625%
HK$24,159
+HK$1,210/mo
Deposit HK$1.84M · loan HK$4.29M · min. income ≈ HK$45,898/mo (50% DSR)
Upfront cash ≈ HK$1.99M (deposit + AVD stamp duty HK$148,071 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,163
−HK$1,578/mo
▼ 0.25% · 3.875%
HK$25,946
−HK$795/mo
Today · 4.125%
HK$26,741
baseline
▲ 0.50% · 4.625%
HK$28,368
+HK$1,627/mo
Deposit HK$613K · loan HK$5.52M · min. income ≈ HK$53,482/mo (50% DSR)
Upfront cash ≈ HK$761K (deposit + AVD stamp duty HK$148,071 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,994
−HK$1,512/mo
▼ 0.25% · 3.875%
HK$28,745
−HK$761/mo
Today · 4.125%
HK$29,506
baseline
▲ 0.50% · 4.625%
HK$31,062
+HK$1,556/mo
Deposit HK$613K · loan HK$5.52M · min. income ≈ HK$59,012/mo (50% DSR)
Upfront cash ≈ HK$761K (deposit + AVD stamp duty HK$148,071 · 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).