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$14,040
−HK$881/mo
▼ 0.25% · 3.875%
HK$14,477
−HK$444/mo
Today · 4.125%
HK$14,921
baseline
▲ 0.50% · 4.625%
HK$15,829
+HK$908/mo
Deposit HK$3.08M · loan HK$3.08M · min. income ≈ HK$29,842/mo (50% DSR)
Upfront cash ≈ HK$3.23M (deposit + AVD stamp duty HK$150,729 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,620
−HK$843/mo
▼ 0.25% · 3.875%
HK$16,038
−HK$425/mo
Today · 4.125%
HK$16,463
baseline
▲ 0.50% · 4.625%
HK$17,331
+HK$868/mo
Deposit HK$3.08M · loan HK$3.08M · min. income ≈ HK$32,926/mo (50% DSR)
Upfront cash ≈ HK$3.23M (deposit + AVD stamp duty HK$150,729 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,848
−HK$1,057/mo
▼ 0.25% · 3.875%
HK$17,372
−HK$533/mo
Today · 4.125%
HK$17,905
baseline
▲ 0.50% · 4.625%
HK$18,994
+HK$1,089/mo
Deposit HK$2.46M · loan HK$3.69M · min. income ≈ HK$35,810/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$150,729 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,743
−HK$1,013/mo
▼ 0.25% · 3.875%
HK$19,246
−HK$510/mo
Today · 4.125%
HK$19,756
baseline
▲ 0.50% · 4.625%
HK$20,798
+HK$1,042/mo
Deposit HK$2.46M · loan HK$3.69M · min. income ≈ HK$39,512/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$150,729 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,656
−HK$1,233/mo
▼ 0.25% · 3.875%
HK$20,268
−HK$621/mo
Today · 4.125%
HK$20,889
baseline
▲ 0.50% · 4.625%
HK$22,160
+HK$1,271/mo
Deposit HK$1.85M · loan HK$4.31M · min. income ≈ HK$41,778/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$150,729 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,867
−HK$1,182/mo
▼ 0.25% · 3.875%
HK$22,454
−HK$595/mo
Today · 4.125%
HK$23,049
baseline
▲ 0.50% · 4.625%
HK$24,264
+HK$1,215/mo
Deposit HK$1.85M · loan HK$4.31M · min. income ≈ HK$46,098/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$150,729 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,272
−HK$1,585/mo
▼ 0.25% · 3.875%
HK$26,058
−HK$799/mo
Today · 4.125%
HK$26,857
baseline
▲ 0.50% · 4.625%
HK$28,491
+HK$1,634/mo
Deposit HK$616K · loan HK$5.54M · min. income ≈ HK$53,714/mo (50% DSR)
Upfront cash ≈ HK$766K (deposit + AVD stamp duty HK$150,729 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,115
−HK$1,519/mo
▼ 0.25% · 3.875%
HK$28,869
−HK$765/mo
Today · 4.125%
HK$29,634
baseline
▲ 0.50% · 4.625%
HK$31,196
+HK$1,562/mo
Deposit HK$616K · loan HK$5.54M · min. income ≈ HK$59,268/mo (50% DSR)
Upfront cash ≈ HK$766K (deposit + AVD stamp duty HK$150,729 · 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).