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$14,031
−HK$880/mo
▼ 0.25% · 3.875%
HK$14,468
−HK$443/mo
Today · 4.125%
HK$14,911
baseline
▲ 0.50% · 4.625%
HK$15,818
+HK$907/mo
Deposit HK$3.08M · loan HK$3.08M · min. income ≈ HK$29,822/mo (50% DSR)
Upfront cash ≈ HK$3.23M (deposit + AVD stamp duty HK$150,336 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,610
−HK$843/mo
▼ 0.25% · 3.875%
HK$16,028
−HK$425/mo
Today · 4.125%
HK$16,453
baseline
▲ 0.50% · 4.625%
HK$17,320
+HK$867/mo
Deposit HK$3.08M · loan HK$3.08M · min. income ≈ HK$32,906/mo (50% DSR)
Upfront cash ≈ HK$3.23M (deposit + AVD stamp duty HK$150,336 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,837
−HK$1,056/mo
▼ 0.25% · 3.875%
HK$17,361
−HK$532/mo
Today · 4.125%
HK$17,893
baseline
▲ 0.50% · 4.625%
HK$18,982
+HK$1,089/mo
Deposit HK$2.46M · loan HK$3.69M · min. income ≈ HK$35,786/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$150,336 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,732
−HK$1,012/mo
▼ 0.25% · 3.875%
HK$19,234
−HK$510/mo
Today · 4.125%
HK$19,744
baseline
▲ 0.50% · 4.625%
HK$20,784
+HK$1,040/mo
Deposit HK$2.46M · loan HK$3.69M · min. income ≈ HK$39,488/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$150,336 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,644
−HK$1,232/mo
▼ 0.25% · 3.875%
HK$20,255
−HK$621/mo
Today · 4.125%
HK$20,876
baseline
▲ 0.50% · 4.625%
HK$22,146
+HK$1,270/mo
Deposit HK$1.85M · loan HK$4.31M · min. income ≈ HK$41,752/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$150,336 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,853
−HK$1,181/mo
▼ 0.25% · 3.875%
HK$22,440
−HK$594/mo
Today · 4.125%
HK$23,034
baseline
▲ 0.50% · 4.625%
HK$24,248
+HK$1,214/mo
Deposit HK$1.85M · loan HK$4.31M · min. income ≈ HK$46,068/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$150,336 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,256
−HK$1,584/mo
▼ 0.25% · 3.875%
HK$26,042
−HK$798/mo
Today · 4.125%
HK$26,840
baseline
▲ 0.50% · 4.625%
HK$28,473
+HK$1,633/mo
Deposit HK$615K · loan HK$5.54M · min. income ≈ HK$53,680/mo (50% DSR)
Upfront cash ≈ HK$766K (deposit + AVD stamp duty HK$150,336 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,097
−HK$1,518/mo
▼ 0.25% · 3.875%
HK$28,851
−HK$764/mo
Today · 4.125%
HK$29,615
baseline
▲ 0.50% · 4.625%
HK$31,176
+HK$1,561/mo
Deposit HK$615K · loan HK$5.54M · min. income ≈ HK$59,230/mo (50% DSR)
Upfront cash ≈ HK$766K (deposit + AVD stamp duty HK$150,336 · 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).