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$14,029
−HK$880/mo
▼ 0.25% · 3.875%
HK$14,466
−HK$443/mo
Today · 4.125%
HK$14,909
baseline
▲ 0.50% · 4.625%
HK$15,816
+HK$907/mo
Deposit HK$3.08M · loan HK$3.08M · min. income ≈ HK$29,818/mo (50% DSR)
Upfront cash ≈ HK$3.23M (deposit + AVD stamp duty HK$150,259 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,608
−HK$843/mo
▼ 0.25% · 3.875%
HK$16,026
−HK$425/mo
Today · 4.125%
HK$16,451
baseline
▲ 0.50% · 4.625%
HK$17,318
+HK$867/mo
Deposit HK$3.08M · loan HK$3.08M · min. income ≈ HK$32,902/mo (50% DSR)
Upfront cash ≈ HK$3.23M (deposit + AVD stamp duty HK$150,259 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,835
−HK$1,056/mo
▼ 0.25% · 3.875%
HK$17,359
−HK$532/mo
Today · 4.125%
HK$17,891
baseline
▲ 0.50% · 4.625%
HK$18,980
+HK$1,089/mo
Deposit HK$2.46M · loan HK$3.69M · min. income ≈ HK$35,782/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$150,259 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,729
−HK$1,012/mo
▼ 0.25% · 3.875%
HK$19,231
−HK$510/mo
Today · 4.125%
HK$19,741
baseline
▲ 0.50% · 4.625%
HK$20,782
+HK$1,041/mo
Deposit HK$2.46M · loan HK$3.69M · min. income ≈ HK$39,482/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$150,259 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,641
−HK$1,232/mo
▼ 0.25% · 3.875%
HK$20,252
−HK$621/mo
Today · 4.125%
HK$20,873
baseline
▲ 0.50% · 4.625%
HK$22,143
+HK$1,270/mo
Deposit HK$1.85M · loan HK$4.31M · min. income ≈ HK$41,746/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$150,259 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,851
−HK$1,180/mo
▼ 0.25% · 3.875%
HK$22,437
−HK$594/mo
Today · 4.125%
HK$23,031
baseline
▲ 0.50% · 4.625%
HK$24,245
+HK$1,214/mo
Deposit HK$1.85M · loan HK$4.31M · min. income ≈ HK$46,062/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$150,259 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,253
−HK$1,584/mo
▼ 0.25% · 3.875%
HK$26,039
−HK$798/mo
Today · 4.125%
HK$26,837
baseline
▲ 0.50% · 4.625%
HK$28,470
+HK$1,633/mo
Deposit HK$615K · loan HK$5.54M · min. income ≈ HK$53,674/mo (50% DSR)
Upfront cash ≈ HK$766K (deposit + AVD stamp duty HK$150,259 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,094
−HK$1,518/mo
▼ 0.25% · 3.875%
HK$28,847
−HK$765/mo
Today · 4.125%
HK$29,612
baseline
▲ 0.50% · 4.625%
HK$31,172
+HK$1,560/mo
Deposit HK$615K · loan HK$5.54M · min. income ≈ HK$59,224/mo (50% DSR)
Upfront cash ≈ HK$766K (deposit + AVD stamp duty HK$150,259 · 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).