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$14,035
−HK$880/mo
▼ 0.25% · 3.875%
HK$14,471
−HK$444/mo
Today · 4.125%
HK$14,915
baseline
▲ 0.50% · 4.625%
HK$15,822
+HK$907/mo
Deposit HK$3.08M · loan HK$3.08M · min. income ≈ HK$29,830/mo (50% DSR)
Upfront cash ≈ HK$3.23M (deposit + AVD stamp duty HK$150,494 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,614
−HK$843/mo
▼ 0.25% · 3.875%
HK$16,032
−HK$425/mo
Today · 4.125%
HK$16,457
baseline
▲ 0.50% · 4.625%
HK$17,325
+HK$868/mo
Deposit HK$3.08M · loan HK$3.08M · min. income ≈ HK$32,914/mo (50% DSR)
Upfront cash ≈ HK$3.23M (deposit + AVD stamp duty HK$150,494 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,842
−HK$1,056/mo
▼ 0.25% · 3.875%
HK$17,366
−HK$532/mo
Today · 4.125%
HK$17,898
baseline
▲ 0.50% · 4.625%
HK$18,987
+HK$1,089/mo
Deposit HK$2.46M · loan HK$3.69M · min. income ≈ HK$35,796/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$150,494 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,736
−HK$1,013/mo
▼ 0.25% · 3.875%
HK$19,239
−HK$510/mo
Today · 4.125%
HK$19,749
baseline
▲ 0.50% · 4.625%
HK$20,790
+HK$1,041/mo
Deposit HK$2.46M · loan HK$3.69M · min. income ≈ HK$39,498/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$150,494 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,649
−HK$1,232/mo
▼ 0.25% · 3.875%
HK$20,260
−HK$621/mo
Today · 4.125%
HK$20,881
baseline
▲ 0.50% · 4.625%
HK$22,151
+HK$1,270/mo
Deposit HK$1.85M · loan HK$4.31M · min. income ≈ HK$41,762/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$150,494 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,859
−HK$1,181/mo
▼ 0.25% · 3.875%
HK$22,445
−HK$595/mo
Today · 4.125%
HK$23,040
baseline
▲ 0.50% · 4.625%
HK$24,254
+HK$1,214/mo
Deposit HK$1.85M · loan HK$4.31M · min. income ≈ HK$46,080/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$150,494 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,263
−HK$1,584/mo
▼ 0.25% · 3.875%
HK$26,048
−HK$799/mo
Today · 4.125%
HK$26,847
baseline
▲ 0.50% · 4.625%
HK$28,480
+HK$1,633/mo
Deposit HK$615K · loan HK$5.54M · min. income ≈ HK$53,694/mo (50% DSR)
Upfront cash ≈ HK$766K (deposit + AVD stamp duty HK$150,494 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,104
−HK$1,519/mo
▼ 0.25% · 3.875%
HK$28,858
−HK$765/mo
Today · 4.125%
HK$29,623
baseline
▲ 0.50% · 4.625%
HK$31,184
+HK$1,561/mo
Deposit HK$615K · loan HK$5.54M · min. income ≈ HK$59,246/mo (50% DSR)
Upfront cash ≈ HK$766K (deposit + AVD stamp duty HK$150,494 · 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).