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$13,946
−HK$874/mo
▼ 0.25% · 3.875%
HK$14,379
−HK$441/mo
Today · 4.125%
HK$14,820
baseline
▲ 0.50% · 4.625%
HK$15,722
+HK$902/mo
Deposit HK$3.06M · loan HK$3.06M · min. income ≈ HK$29,640/mo (50% DSR)
Upfront cash ≈ HK$3.20M (deposit + AVD stamp duty HK$146,584 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,514
−HK$839/mo
▼ 0.25% · 3.875%
HK$15,931
−HK$422/mo
Today · 4.125%
HK$16,353
baseline
▲ 0.50% · 4.625%
HK$17,215
+HK$862/mo
Deposit HK$3.06M · loan HK$3.06M · min. income ≈ HK$32,706/mo (50% DSR)
Upfront cash ≈ HK$3.20M (deposit + AVD stamp duty HK$146,584 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,735
−HK$1,049/mo
▼ 0.25% · 3.875%
HK$17,255
−HK$529/mo
Today · 4.125%
HK$17,784
baseline
▲ 0.50% · 4.625%
HK$18,866
+HK$1,082/mo
Deposit HK$2.45M · loan HK$3.67M · min. income ≈ HK$35,568/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$146,584 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,617
−HK$1,006/mo
▼ 0.25% · 3.875%
HK$19,117
−HK$506/mo
Today · 4.125%
HK$19,623
baseline
▲ 0.50% · 4.625%
HK$20,658
+HK$1,035/mo
Deposit HK$2.45M · loan HK$3.67M · min. income ≈ HK$39,246/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$146,584 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,524
−HK$1,224/mo
▼ 0.25% · 3.875%
HK$20,131
−HK$617/mo
Today · 4.125%
HK$20,748
baseline
▲ 0.50% · 4.625%
HK$22,011
+HK$1,263/mo
Deposit HK$1.83M · loan HK$4.28M · min. income ≈ HK$41,496/mo (50% DSR)
Upfront cash ≈ HK$1.98M (deposit + AVD stamp duty HK$146,584 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,720
−HK$1,174/mo
▼ 0.25% · 3.875%
HK$22,303
−HK$591/mo
Today · 4.125%
HK$22,894
baseline
▲ 0.50% · 4.625%
HK$24,100
+HK$1,206/mo
Deposit HK$1.83M · loan HK$4.28M · min. income ≈ HK$45,788/mo (50% DSR)
Upfront cash ≈ HK$1.98M (deposit + AVD stamp duty HK$146,584 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,102
−HK$1,574/mo
▼ 0.25% · 3.875%
HK$25,883
−HK$793/mo
Today · 4.125%
HK$26,676
baseline
▲ 0.50% · 4.625%
HK$28,300
+HK$1,624/mo
Deposit HK$612K · loan HK$5.50M · min. income ≈ HK$53,352/mo (50% DSR)
Upfront cash ≈ HK$758K (deposit + AVD stamp duty HK$146,584 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,926
−HK$1,509/mo
▼ 0.25% · 3.875%
HK$28,675
−HK$760/mo
Today · 4.125%
HK$29,435
baseline
▲ 0.50% · 4.625%
HK$30,986
+HK$1,551/mo
Deposit HK$612K · loan HK$5.50M · min. income ≈ HK$58,870/mo (50% DSR)
Upfront cash ≈ HK$758K (deposit + AVD stamp duty HK$146,584 · 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).