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$13,939
−HK$874/mo
▼ 0.25% · 3.875%
HK$14,373
−HK$440/mo
Today · 4.125%
HK$14,813
baseline
▲ 0.50% · 4.625%
HK$15,715
+HK$902/mo
Deposit HK$3.06M · loan HK$3.06M · min. income ≈ HK$29,626/mo (50% DSR)
Upfront cash ≈ HK$3.20M (deposit + AVD stamp duty HK$146,302 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,507
−HK$838/mo
▼ 0.25% · 3.875%
HK$15,923
−HK$422/mo
Today · 4.125%
HK$16,345
baseline
▲ 0.50% · 4.625%
HK$17,207
+HK$862/mo
Deposit HK$3.06M · loan HK$3.06M · min. income ≈ HK$32,690/mo (50% DSR)
Upfront cash ≈ HK$3.20M (deposit + AVD stamp duty HK$146,302 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,727
−HK$1,049/mo
▼ 0.25% · 3.875%
HK$17,247
−HK$529/mo
Today · 4.125%
HK$17,776
baseline
▲ 0.50% · 4.625%
HK$18,858
+HK$1,082/mo
Deposit HK$2.45M · loan HK$3.67M · min. income ≈ HK$35,552/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$146,302 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,609
−HK$1,005/mo
▼ 0.25% · 3.875%
HK$19,108
−HK$506/mo
Today · 4.125%
HK$19,614
baseline
▲ 0.50% · 4.625%
HK$20,648
+HK$1,034/mo
Deposit HK$2.45M · loan HK$3.67M · min. income ≈ HK$39,228/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$146,302 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,515
−HK$1,224/mo
▼ 0.25% · 3.875%
HK$20,122
−HK$617/mo
Today · 4.125%
HK$20,739
baseline
▲ 0.50% · 4.625%
HK$22,001
+HK$1,262/mo
Deposit HK$1.83M · loan HK$4.28M · min. income ≈ HK$41,478/mo (50% DSR)
Upfront cash ≈ HK$1.98M (deposit + AVD stamp duty HK$146,302 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,710
−HK$1,173/mo
▼ 0.25% · 3.875%
HK$22,292
−HK$591/mo
Today · 4.125%
HK$22,883
baseline
▲ 0.50% · 4.625%
HK$24,089
+HK$1,206/mo
Deposit HK$1.83M · loan HK$4.28M · min. income ≈ HK$45,766/mo (50% DSR)
Upfront cash ≈ HK$1.98M (deposit + AVD stamp duty HK$146,302 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,091
−HK$1,573/mo
▼ 0.25% · 3.875%
HK$25,871
−HK$793/mo
Today · 4.125%
HK$26,664
baseline
▲ 0.50% · 4.625%
HK$28,286
+HK$1,622/mo
Deposit HK$611K · loan HK$5.50M · min. income ≈ HK$53,328/mo (50% DSR)
Upfront cash ≈ HK$758K (deposit + AVD stamp duty HK$146,302 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,913
−HK$1,508/mo
▼ 0.25% · 3.875%
HK$28,662
−HK$759/mo
Today · 4.125%
HK$29,421
baseline
▲ 0.50% · 4.625%
HK$30,972
+HK$1,551/mo
Deposit HK$611K · loan HK$5.50M · min. income ≈ HK$58,842/mo (50% DSR)
Upfront cash ≈ HK$758K (deposit + AVD stamp duty HK$146,302 · 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).