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$13,928
−HK$874/mo
▼ 0.25% · 3.875%
HK$14,362
−HK$440/mo
Today · 4.125%
HK$14,802
baseline
▲ 0.50% · 4.625%
HK$15,703
+HK$901/mo
Deposit HK$3.05M · loan HK$3.05M · min. income ≈ HK$29,604/mo (50% DSR)
Upfront cash ≈ HK$3.20M (deposit + AVD stamp duty HK$145,827 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,495
−HK$837/mo
▼ 0.25% · 3.875%
HK$15,911
−HK$421/mo
Today · 4.125%
HK$16,332
baseline
▲ 0.50% · 4.625%
HK$17,193
+HK$861/mo
Deposit HK$3.05M · loan HK$3.05M · min. income ≈ HK$32,664/mo (50% DSR)
Upfront cash ≈ HK$3.20M (deposit + AVD stamp duty HK$145,827 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,714
−HK$1,048/mo
▼ 0.25% · 3.875%
HK$17,234
−HK$528/mo
Today · 4.125%
HK$17,762
baseline
▲ 0.50% · 4.625%
HK$18,843
+HK$1,081/mo
Deposit HK$2.44M · loan HK$3.66M · min. income ≈ HK$35,524/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$145,827 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,594
−HK$1,005/mo
▼ 0.25% · 3.875%
HK$19,093
−HK$506/mo
Today · 4.125%
HK$19,599
baseline
▲ 0.50% · 4.625%
HK$20,632
+HK$1,033/mo
Deposit HK$2.44M · loan HK$3.66M · min. income ≈ HK$39,198/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$145,827 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,500
−HK$1,223/mo
▼ 0.25% · 3.875%
HK$20,106
−HK$617/mo
Today · 4.125%
HK$20,723
baseline
▲ 0.50% · 4.625%
HK$21,984
+HK$1,261/mo
Deposit HK$1.83M · loan HK$4.28M · min. income ≈ HK$41,446/mo (50% DSR)
Upfront cash ≈ HK$1.98M (deposit + AVD stamp duty HK$145,827 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,693
−HK$1,172/mo
▼ 0.25% · 3.875%
HK$22,275
−HK$590/mo
Today · 4.125%
HK$22,865
baseline
▲ 0.50% · 4.625%
HK$24,071
+HK$1,206/mo
Deposit HK$1.83M · loan HK$4.28M · min. income ≈ HK$45,730/mo (50% DSR)
Upfront cash ≈ HK$1.98M (deposit + AVD stamp duty HK$145,827 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,071
−HK$1,572/mo
▼ 0.25% · 3.875%
HK$25,851
−HK$792/mo
Today · 4.125%
HK$26,643
baseline
▲ 0.50% · 4.625%
HK$28,265
+HK$1,622/mo
Deposit HK$611K · loan HK$5.50M · min. income ≈ HK$53,286/mo (50% DSR)
Upfront cash ≈ HK$757K (deposit + AVD stamp duty HK$145,827 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,891
−HK$1,507/mo
▼ 0.25% · 3.875%
HK$28,639
−HK$759/mo
Today · 4.125%
HK$29,398
baseline
▲ 0.50% · 4.625%
HK$30,948
+HK$1,550/mo
Deposit HK$611K · loan HK$5.50M · min. income ≈ HK$58,796/mo (50% DSR)
Upfront cash ≈ HK$757K (deposit + AVD stamp duty HK$145,827 · 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).