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$14,034
−HK$880/mo
▼ 0.25% · 3.875%
HK$14,470
−HK$444/mo
Today · 4.125%
HK$14,914
baseline
▲ 0.50% · 4.625%
HK$15,821
+HK$907/mo
Deposit HK$3.08M · loan HK$3.08M · min. income ≈ HK$29,828/mo (50% DSR)
Upfront cash ≈ HK$3.23M (deposit + AVD stamp duty HK$150,442 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,612
−HK$844/mo
▼ 0.25% · 3.875%
HK$16,031
−HK$425/mo
Today · 4.125%
HK$16,456
baseline
▲ 0.50% · 4.625%
HK$17,323
+HK$867/mo
Deposit HK$3.08M · loan HK$3.08M · min. income ≈ HK$32,912/mo (50% DSR)
Upfront cash ≈ HK$3.23M (deposit + AVD stamp duty HK$150,442 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,840
−HK$1,056/mo
▼ 0.25% · 3.875%
HK$17,364
−HK$532/mo
Today · 4.125%
HK$17,896
baseline
▲ 0.50% · 4.625%
HK$18,985
+HK$1,089/mo
Deposit HK$2.46M · loan HK$3.69M · min. income ≈ HK$35,792/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$150,442 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,735
−HK$1,012/mo
▼ 0.25% · 3.875%
HK$19,237
−HK$510/mo
Today · 4.125%
HK$19,747
baseline
▲ 0.50% · 4.625%
HK$20,788
+HK$1,041/mo
Deposit HK$2.46M · loan HK$3.69M · min. income ≈ HK$39,494/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$150,442 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,647
−HK$1,232/mo
▼ 0.25% · 3.875%
HK$20,258
−HK$621/mo
Today · 4.125%
HK$20,879
baseline
▲ 0.50% · 4.625%
HK$22,150
+HK$1,271/mo
Deposit HK$1.85M · loan HK$4.31M · min. income ≈ HK$41,758/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$150,442 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,857
−HK$1,181/mo
▼ 0.25% · 3.875%
HK$22,443
−HK$595/mo
Today · 4.125%
HK$23,038
baseline
▲ 0.50% · 4.625%
HK$24,252
+HK$1,214/mo
Deposit HK$1.85M · loan HK$4.31M · min. income ≈ HK$46,076/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$150,442 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,261
−HK$1,584/mo
▼ 0.25% · 3.875%
HK$26,046
−HK$799/mo
Today · 4.125%
HK$26,845
baseline
▲ 0.50% · 4.625%
HK$28,478
+HK$1,633/mo
Deposit HK$615K · loan HK$5.54M · min. income ≈ HK$53,690/mo (50% DSR)
Upfront cash ≈ HK$766K (deposit + AVD stamp duty HK$150,442 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,102
−HK$1,518/mo
▼ 0.25% · 3.875%
HK$28,856
−HK$764/mo
Today · 4.125%
HK$29,620
baseline
▲ 0.50% · 4.625%
HK$31,182
+HK$1,562/mo
Deposit HK$615K · loan HK$5.54M · min. income ≈ HK$59,240/mo (50% DSR)
Upfront cash ≈ HK$766K (deposit + AVD stamp duty HK$150,442 · 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).