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$13,947
−HK$874/mo
▼ 0.25% · 3.875%
HK$14,380
−HK$441/mo
Today · 4.125%
HK$14,821
baseline
▲ 0.50% · 4.625%
HK$15,723
+HK$902/mo
Deposit HK$3.06M · loan HK$3.06M · min. income ≈ HK$29,642/mo (50% DSR)
Upfront cash ≈ HK$3.20M (deposit + AVD stamp duty HK$146,621 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,515
−HK$839/mo
▼ 0.25% · 3.875%
HK$15,931
−HK$423/mo
Today · 4.125%
HK$16,354
baseline
▲ 0.50% · 4.625%
HK$17,216
+HK$862/mo
Deposit HK$3.06M · loan HK$3.06M · min. income ≈ HK$32,708/mo (50% DSR)
Upfront cash ≈ HK$3.20M (deposit + AVD stamp duty HK$146,621 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,736
−HK$1,049/mo
▼ 0.25% · 3.875%
HK$17,256
−HK$529/mo
Today · 4.125%
HK$17,785
baseline
▲ 0.50% · 4.625%
HK$18,868
+HK$1,083/mo
Deposit HK$2.45M · loan HK$3.67M · min. income ≈ HK$35,570/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$146,621 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,618
−HK$1,006/mo
▼ 0.25% · 3.875%
HK$19,118
−HK$506/mo
Today · 4.125%
HK$19,624
baseline
▲ 0.50% · 4.625%
HK$20,659
+HK$1,035/mo
Deposit HK$2.45M · loan HK$3.67M · min. income ≈ HK$39,248/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$146,621 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,525
−HK$1,225/mo
▼ 0.25% · 3.875%
HK$20,132
−HK$618/mo
Today · 4.125%
HK$20,750
baseline
▲ 0.50% · 4.625%
HK$22,012
+HK$1,262/mo
Deposit HK$1.83M · loan HK$4.28M · min. income ≈ HK$41,500/mo (50% DSR)
Upfront cash ≈ HK$1.98M (deposit + AVD stamp duty HK$146,621 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,722
−HK$1,173/mo
▼ 0.25% · 3.875%
HK$22,304
−HK$591/mo
Today · 4.125%
HK$22,895
baseline
▲ 0.50% · 4.625%
HK$24,102
+HK$1,207/mo
Deposit HK$1.83M · loan HK$4.28M · min. income ≈ HK$45,790/mo (50% DSR)
Upfront cash ≈ HK$1.98M (deposit + AVD stamp duty HK$146,621 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,104
−HK$1,574/mo
▼ 0.25% · 3.875%
HK$25,885
−HK$793/mo
Today · 4.125%
HK$26,678
baseline
▲ 0.50% · 4.625%
HK$28,301
+HK$1,623/mo
Deposit HK$612K · loan HK$5.50M · min. income ≈ HK$53,356/mo (50% DSR)
Upfront cash ≈ HK$758K (deposit + AVD stamp duty HK$146,621 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,928
−HK$1,509/mo
▼ 0.25% · 3.875%
HK$28,677
−HK$760/mo
Today · 4.125%
HK$29,437
baseline
▲ 0.50% · 4.625%
HK$30,988
+HK$1,551/mo
Deposit HK$612K · loan HK$5.50M · min. income ≈ HK$58,874/mo (50% DSR)
Upfront cash ≈ HK$758K (deposit + AVD stamp duty HK$146,621 · 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).