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$13,927
−HK$874/mo
▼ 0.25% · 3.875%
HK$14,360
−HK$441/mo
Today · 4.125%
HK$14,801
baseline
▲ 0.50% · 4.625%
HK$15,701
+HK$900/mo
Deposit HK$3.05M · loan HK$3.05M · min. income ≈ HK$29,602/mo (50% DSR)
Upfront cash ≈ HK$3.20M (deposit + AVD stamp duty HK$145,773 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,494
−HK$837/mo
▼ 0.25% · 3.875%
HK$15,909
−HK$422/mo
Today · 4.125%
HK$16,331
baseline
▲ 0.50% · 4.625%
HK$17,192
+HK$861/mo
Deposit HK$3.05M · loan HK$3.05M · min. income ≈ HK$32,662/mo (50% DSR)
Upfront cash ≈ HK$3.20M (deposit + AVD stamp duty HK$145,773 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,713
−HK$1,048/mo
▼ 0.25% · 3.875%
HK$17,232
−HK$529/mo
Today · 4.125%
HK$17,761
baseline
▲ 0.50% · 4.625%
HK$18,841
+HK$1,080/mo
Deposit HK$2.44M · loan HK$3.66M · min. income ≈ HK$35,522/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$145,773 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,593
−HK$1,004/mo
▼ 0.25% · 3.875%
HK$19,091
−HK$506/mo
Today · 4.125%
HK$19,597
baseline
▲ 0.50% · 4.625%
HK$20,630
+HK$1,033/mo
Deposit HK$2.44M · loan HK$3.66M · min. income ≈ HK$39,194/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$145,773 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,498
−HK$1,223/mo
▼ 0.25% · 3.875%
HK$20,105
−HK$616/mo
Today · 4.125%
HK$20,721
baseline
▲ 0.50% · 4.625%
HK$21,982
+HK$1,261/mo
Deposit HK$1.83M · loan HK$4.28M · min. income ≈ HK$41,442/mo (50% DSR)
Upfront cash ≈ HK$1.98M (deposit + AVD stamp duty HK$145,773 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,691
−HK$1,172/mo
▼ 0.25% · 3.875%
HK$22,273
−HK$590/mo
Today · 4.125%
HK$22,863
baseline
▲ 0.50% · 4.625%
HK$24,068
+HK$1,205/mo
Deposit HK$1.83M · loan HK$4.28M · min. income ≈ HK$45,726/mo (50% DSR)
Upfront cash ≈ HK$1.98M (deposit + AVD stamp duty HK$145,773 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,069
−HK$1,572/mo
▼ 0.25% · 3.875%
HK$25,849
−HK$792/mo
Today · 4.125%
HK$26,641
baseline
▲ 0.50% · 4.625%
HK$28,262
+HK$1,621/mo
Deposit HK$611K · loan HK$5.50M · min. income ≈ HK$53,282/mo (50% DSR)
Upfront cash ≈ HK$757K (deposit + AVD stamp duty HK$145,773 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,889
−HK$1,507/mo
▼ 0.25% · 3.875%
HK$28,637
−HK$759/mo
Today · 4.125%
HK$29,396
baseline
▲ 0.50% · 4.625%
HK$30,945
+HK$1,549/mo
Deposit HK$611K · loan HK$5.50M · min. income ≈ HK$58,792/mo (50% DSR)
Upfront cash ≈ HK$757K (deposit + AVD stamp duty HK$145,773 · 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).