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$14,039
−HK$881/mo
▼ 0.25% · 3.875%
HK$14,476
−HK$444/mo
Today · 4.125%
HK$14,920
baseline
▲ 0.50% · 4.625%
HK$15,828
+HK$908/mo
Deposit HK$3.08M · loan HK$3.08M · min. income ≈ HK$29,840/mo (50% DSR)
Upfront cash ≈ HK$3.23M (deposit + AVD stamp duty HK$150,691 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,619
−HK$843/mo
▼ 0.25% · 3.875%
HK$16,037
−HK$425/mo
Today · 4.125%
HK$16,462
baseline
▲ 0.50% · 4.625%
HK$17,330
+HK$868/mo
Deposit HK$3.08M · loan HK$3.08M · min. income ≈ HK$32,924/mo (50% DSR)
Upfront cash ≈ HK$3.23M (deposit + AVD stamp duty HK$150,691 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,847
−HK$1,057/mo
▼ 0.25% · 3.875%
HK$17,371
−HK$533/mo
Today · 4.125%
HK$17,904
baseline
▲ 0.50% · 4.625%
HK$18,993
+HK$1,089/mo
Deposit HK$2.46M · loan HK$3.69M · min. income ≈ HK$35,808/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$150,691 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,742
−HK$1,013/mo
▼ 0.25% · 3.875%
HK$19,245
−HK$510/mo
Today · 4.125%
HK$19,755
baseline
▲ 0.50% · 4.625%
HK$20,796
+HK$1,041/mo
Deposit HK$2.46M · loan HK$3.69M · min. income ≈ HK$39,510/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$150,691 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,655
−HK$1,233/mo
▼ 0.25% · 3.875%
HK$20,266
−HK$622/mo
Today · 4.125%
HK$20,888
baseline
▲ 0.50% · 4.625%
HK$22,159
+HK$1,271/mo
Deposit HK$1.85M · loan HK$4.31M · min. income ≈ HK$41,776/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$150,691 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,866
−HK$1,181/mo
▼ 0.25% · 3.875%
HK$22,452
−HK$595/mo
Today · 4.125%
HK$23,047
baseline
▲ 0.50% · 4.625%
HK$24,262
+HK$1,215/mo
Deposit HK$1.85M · loan HK$4.31M · min. income ≈ HK$46,094/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$150,691 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,271
−HK$1,584/mo
▼ 0.25% · 3.875%
HK$26,057
−HK$798/mo
Today · 4.125%
HK$26,855
baseline
▲ 0.50% · 4.625%
HK$28,490
+HK$1,635/mo
Deposit HK$616K · loan HK$5.54M · min. income ≈ HK$53,710/mo (50% DSR)
Upfront cash ≈ HK$766K (deposit + AVD stamp duty HK$150,691 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,113
−HK$1,519/mo
▼ 0.25% · 3.875%
HK$28,867
−HK$765/mo
Today · 4.125%
HK$29,632
baseline
▲ 0.50% · 4.625%
HK$31,194
+HK$1,562/mo
Deposit HK$616K · loan HK$5.54M · min. income ≈ HK$59,264/mo (50% DSR)
Upfront cash ≈ HK$766K (deposit + AVD stamp duty HK$150,691 · 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).