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$14,036
−HK$880/mo
▼ 0.25% · 3.875%
HK$14,472
−HK$444/mo
Today · 4.125%
HK$14,916
baseline
▲ 0.50% · 4.625%
HK$15,823
+HK$907/mo
Deposit HK$3.08M · loan HK$3.08M · min. income ≈ HK$29,832/mo (50% DSR)
Upfront cash ≈ HK$3.23M (deposit + AVD stamp duty HK$150,530 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,615
−HK$843/mo
▼ 0.25% · 3.875%
HK$16,033
−HK$425/mo
Today · 4.125%
HK$16,458
baseline
▲ 0.50% · 4.625%
HK$17,326
+HK$868/mo
Deposit HK$3.08M · loan HK$3.08M · min. income ≈ HK$32,916/mo (50% DSR)
Upfront cash ≈ HK$3.23M (deposit + AVD stamp duty HK$150,530 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,843
−HK$1,056/mo
▼ 0.25% · 3.875%
HK$17,367
−HK$532/mo
Today · 4.125%
HK$17,899
baseline
▲ 0.50% · 4.625%
HK$18,988
+HK$1,089/mo
Deposit HK$2.46M · loan HK$3.69M · min. income ≈ HK$35,798/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$150,530 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,737
−HK$1,013/mo
▼ 0.25% · 3.875%
HK$19,240
−HK$510/mo
Today · 4.125%
HK$19,750
baseline
▲ 0.50% · 4.625%
HK$20,791
+HK$1,041/mo
Deposit HK$2.46M · loan HK$3.69M · min. income ≈ HK$39,500/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$150,530 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,650
−HK$1,232/mo
▼ 0.25% · 3.875%
HK$20,261
−HK$621/mo
Today · 4.125%
HK$20,882
baseline
▲ 0.50% · 4.625%
HK$22,153
+HK$1,271/mo
Deposit HK$1.85M · loan HK$4.31M · min. income ≈ HK$41,764/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$150,530 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,860
−HK$1,181/mo
▼ 0.25% · 3.875%
HK$22,447
−HK$594/mo
Today · 4.125%
HK$23,041
baseline
▲ 0.50% · 4.625%
HK$24,256
+HK$1,215/mo
Deposit HK$1.85M · loan HK$4.31M · min. income ≈ HK$46,082/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$150,530 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,264
−HK$1,584/mo
▼ 0.25% · 3.875%
HK$26,050
−HK$798/mo
Today · 4.125%
HK$26,848
baseline
▲ 0.50% · 4.625%
HK$28,482
+HK$1,634/mo
Deposit HK$616K · loan HK$5.54M · min. income ≈ HK$53,696/mo (50% DSR)
Upfront cash ≈ HK$766K (deposit + AVD stamp duty HK$150,530 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,106
−HK$1,519/mo
▼ 0.25% · 3.875%
HK$28,860
−HK$765/mo
Today · 4.125%
HK$29,625
baseline
▲ 0.50% · 4.625%
HK$31,186
+HK$1,561/mo
Deposit HK$616K · loan HK$5.54M · min. income ≈ HK$59,250/mo (50% DSR)
Upfront cash ≈ HK$766K (deposit + AVD stamp duty HK$150,530 · 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).