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$14,028
−HK$880/mo
▼ 0.25% · 3.875%
HK$14,464
−HK$444/mo
Today · 4.125%
HK$14,908
baseline
▲ 0.50% · 4.625%
HK$15,815
+HK$907/mo
Deposit HK$3.08M · loan HK$3.08M · min. income ≈ HK$29,816/mo (50% DSR)
Upfront cash ≈ HK$3.23M (deposit + AVD stamp duty HK$150,188 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,606
−HK$843/mo
▼ 0.25% · 3.875%
HK$16,024
−HK$425/mo
Today · 4.125%
HK$16,449
baseline
▲ 0.50% · 4.625%
HK$17,316
+HK$867/mo
Deposit HK$3.08M · loan HK$3.08M · min. income ≈ HK$32,898/mo (50% DSR)
Upfront cash ≈ HK$3.23M (deposit + AVD stamp duty HK$150,188 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,833
−HK$1,056/mo
▼ 0.25% · 3.875%
HK$17,357
−HK$532/mo
Today · 4.125%
HK$17,889
baseline
▲ 0.50% · 4.625%
HK$18,978
+HK$1,089/mo
Deposit HK$2.46M · loan HK$3.69M · min. income ≈ HK$35,778/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$150,188 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,727
−HK$1,012/mo
▼ 0.25% · 3.875%
HK$19,229
−HK$510/mo
Today · 4.125%
HK$19,739
baseline
▲ 0.50% · 4.625%
HK$20,779
+HK$1,040/mo
Deposit HK$2.46M · loan HK$3.69M · min. income ≈ HK$39,478/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$150,188 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,639
−HK$1,232/mo
▼ 0.25% · 3.875%
HK$20,250
−HK$621/mo
Today · 4.125%
HK$20,871
baseline
▲ 0.50% · 4.625%
HK$22,140
+HK$1,269/mo
Deposit HK$1.85M · loan HK$4.31M · min. income ≈ HK$41,742/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$150,188 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,848
−HK$1,181/mo
▼ 0.25% · 3.875%
HK$22,434
−HK$595/mo
Today · 4.125%
HK$23,029
baseline
▲ 0.50% · 4.625%
HK$24,242
+HK$1,213/mo
Deposit HK$1.85M · loan HK$4.31M · min. income ≈ HK$46,058/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$150,188 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,250
−HK$1,584/mo
▼ 0.25% · 3.875%
HK$26,036
−HK$798/mo
Today · 4.125%
HK$26,834
baseline
▲ 0.50% · 4.625%
HK$28,466
+HK$1,632/mo
Deposit HK$615K · loan HK$5.54M · min. income ≈ HK$53,668/mo (50% DSR)
Upfront cash ≈ HK$765K (deposit + AVD stamp duty HK$150,188 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,091
−HK$1,517/mo
▼ 0.25% · 3.875%
HK$28,844
−HK$764/mo
Today · 4.125%
HK$29,608
baseline
▲ 0.50% · 4.625%
HK$31,169
+HK$1,561/mo
Deposit HK$615K · loan HK$5.54M · min. income ≈ HK$59,216/mo (50% DSR)
Upfront cash ≈ HK$765K (deposit + AVD stamp duty HK$150,188 · 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).