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$875/mo
▼ 0.25% · 3.875%
HK$14,380
−HK$441/mo
Today · 4.125%
HK$14,821
baseline
▲ 0.50% · 4.625%
HK$15,722
+HK$901/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$146,601 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,515
−HK$838/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$146,601 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,735
−HK$1,050/mo
▼ 0.25% · 3.875%
HK$17,256
−HK$529/mo
Today · 4.125%
HK$17,785
baseline
▲ 0.50% · 4.625%
HK$18,867
+HK$1,082/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$146,601 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,618
−HK$1,006/mo
▼ 0.25% · 3.875%
HK$19,117
−HK$507/mo
Today · 4.125%
HK$19,624
baseline
▲ 0.50% · 4.625%
HK$20,658
+HK$1,034/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$146,601 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,524
−HK$1,225/mo
▼ 0.25% · 3.875%
HK$20,132
−HK$617/mo
Today · 4.125%
HK$20,749
baseline
▲ 0.50% · 4.625%
HK$22,011
+HK$1,262/mo
Deposit HK$1.83M · loan HK$4.28M · min. income ≈ HK$41,498/mo (50% DSR)
Upfront cash ≈ HK$1.98M (deposit + AVD stamp duty HK$146,601 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,721
−HK$1,173/mo
▼ 0.25% · 3.875%
HK$22,303
−HK$591/mo
Today · 4.125%
HK$22,894
baseline
▲ 0.50% · 4.625%
HK$24,101
+HK$1,207/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$146,601 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,103
−HK$1,574/mo
▼ 0.25% · 3.875%
HK$25,884
−HK$793/mo
Today · 4.125%
HK$26,677
baseline
▲ 0.50% · 4.625%
HK$28,300
+HK$1,623/mo
Deposit HK$612K · loan HK$5.50M · min. income ≈ HK$53,354/mo (50% DSR)
Upfront cash ≈ HK$758K (deposit + AVD stamp duty HK$146,601 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,927
−HK$1,509/mo
▼ 0.25% · 3.875%
HK$28,676
−HK$760/mo
Today · 4.125%
HK$29,436
baseline
▲ 0.50% · 4.625%
HK$30,987
+HK$1,551/mo
Deposit HK$612K · loan HK$5.50M · min. income ≈ HK$58,872/mo (50% DSR)
Upfront cash ≈ HK$758K (deposit + AVD stamp duty HK$146,601 · 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).