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$13,925
−HK$873/mo
▼ 0.25% · 3.875%
HK$14,358
−HK$440/mo
Today · 4.125%
HK$14,798
baseline
▲ 0.50% · 4.625%
HK$15,699
+HK$901/mo
Deposit HK$3.05M · loan HK$3.05M · min. income ≈ HK$29,596/mo (50% DSR)
Upfront cash ≈ HK$3.20M (deposit + AVD stamp duty HK$145,676 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,491
−HK$837/mo
▼ 0.25% · 3.875%
HK$15,907
−HK$421/mo
Today · 4.125%
HK$16,328
baseline
▲ 0.50% · 4.625%
HK$17,189
+HK$861/mo
Deposit HK$3.05M · loan HK$3.05M · min. income ≈ HK$32,656/mo (50% DSR)
Upfront cash ≈ HK$3.20M (deposit + AVD stamp duty HK$145,676 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,710
−HK$1,048/mo
▼ 0.25% · 3.875%
HK$17,230
−HK$528/mo
Today · 4.125%
HK$17,758
baseline
▲ 0.50% · 4.625%
HK$18,838
+HK$1,080/mo
Deposit HK$2.44M · loan HK$3.66M · min. income ≈ HK$35,516/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$145,676 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,590
−HK$1,004/mo
▼ 0.25% · 3.875%
HK$19,088
−HK$506/mo
Today · 4.125%
HK$19,594
baseline
▲ 0.50% · 4.625%
HK$20,627
+HK$1,033/mo
Deposit HK$2.44M · loan HK$3.66M · min. income ≈ HK$39,188/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$145,676 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,495
−HK$1,222/mo
▼ 0.25% · 3.875%
HK$20,101
−HK$616/mo
Today · 4.125%
HK$20,717
baseline
▲ 0.50% · 4.625%
HK$21,978
+HK$1,261/mo
Deposit HK$1.83M · loan HK$4.27M · min. income ≈ HK$41,434/mo (50% DSR)
Upfront cash ≈ HK$1.98M (deposit + AVD stamp duty HK$145,676 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,688
−HK$1,172/mo
▼ 0.25% · 3.875%
HK$22,270
−HK$590/mo
Today · 4.125%
HK$22,860
baseline
▲ 0.50% · 4.625%
HK$24,065
+HK$1,205/mo
Deposit HK$1.83M · loan HK$4.27M · min. income ≈ HK$45,720/mo (50% DSR)
Upfront cash ≈ HK$1.98M (deposit + AVD stamp duty HK$145,676 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,065
−HK$1,572/mo
▼ 0.25% · 3.875%
HK$25,845
−HK$792/mo
Today · 4.125%
HK$26,637
baseline
▲ 0.50% · 4.625%
HK$28,258
+HK$1,621/mo
Deposit HK$611K · loan HK$5.50M · min. income ≈ HK$53,274/mo (50% DSR)
Upfront cash ≈ HK$756K (deposit + AVD stamp duty HK$145,676 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,885
−HK$1,506/mo
▼ 0.25% · 3.875%
HK$28,632
−HK$759/mo
Today · 4.125%
HK$29,391
baseline
▲ 0.50% · 4.625%
HK$30,940
+HK$1,549/mo
Deposit HK$611K · loan HK$5.50M · min. income ≈ HK$58,782/mo (50% DSR)
Upfront cash ≈ HK$756K (deposit + AVD stamp duty HK$145,676 · 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).