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$13,929
−HK$873/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$145,843 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,496
−HK$837/mo
▼ 0.25% · 3.875%
HK$15,911
−HK$422/mo
Today · 4.125%
HK$16,333
baseline
▲ 0.50% · 4.625%
HK$17,194
+HK$861/mo
Deposit HK$3.05M · loan HK$3.05M · min. income ≈ HK$32,666/mo (50% DSR)
Upfront cash ≈ HK$3.20M (deposit + AVD stamp duty HK$145,843 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,715
−HK$1,048/mo
▼ 0.25% · 3.875%
HK$17,234
−HK$529/mo
Today · 4.125%
HK$17,763
baseline
▲ 0.50% · 4.625%
HK$18,843
+HK$1,080/mo
Deposit HK$2.44M · loan HK$3.67M · min. income ≈ HK$35,526/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$145,843 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,595
−HK$1,004/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$3.67M · min. income ≈ HK$39,198/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$145,843 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,500
−HK$1,223/mo
▼ 0.25% · 3.875%
HK$20,107
−HK$616/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$145,843 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,694
−HK$1,172/mo
▼ 0.25% · 3.875%
HK$22,276
−HK$590/mo
Today · 4.125%
HK$22,866
baseline
▲ 0.50% · 4.625%
HK$24,071
+HK$1,205/mo
Deposit HK$1.83M · loan HK$4.28M · min. income ≈ HK$45,732/mo (50% DSR)
Upfront cash ≈ HK$1.98M (deposit + AVD stamp duty HK$145,843 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,072
−HK$1,572/mo
▼ 0.25% · 3.875%
HK$25,852
−HK$792/mo
Today · 4.125%
HK$26,644
baseline
▲ 0.50% · 4.625%
HK$28,265
+HK$1,621/mo
Deposit HK$611K · loan HK$5.50M · min. income ≈ HK$53,288/mo (50% DSR)
Upfront cash ≈ HK$757K (deposit + AVD stamp duty HK$145,843 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,892
−HK$1,507/mo
▼ 0.25% · 3.875%
HK$28,640
−HK$759/mo
Today · 4.125%
HK$29,399
baseline
▲ 0.50% · 4.625%
HK$30,949
+HK$1,550/mo
Deposit HK$611K · loan HK$5.50M · min. income ≈ HK$58,798/mo (50% DSR)
Upfront cash ≈ HK$757K (deposit + AVD stamp duty HK$145,843 · 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).