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$14,038
−HK$880/mo
▼ 0.25% · 3.875%
HK$14,475
−HK$443/mo
Today · 4.125%
HK$14,918
baseline
▲ 0.50% · 4.625%
HK$15,826
+HK$908/mo
Deposit HK$3.08M · loan HK$3.08M · min. income ≈ HK$29,836/mo (50% DSR)
Upfront cash ≈ HK$3.23M (deposit + AVD stamp duty HK$150,638 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,617
−HK$844/mo
▼ 0.25% · 3.875%
HK$16,036
−HK$425/mo
Today · 4.125%
HK$16,461
baseline
▲ 0.50% · 4.625%
HK$17,329
+HK$868/mo
Deposit HK$3.08M · loan HK$3.08M · min. income ≈ HK$32,922/mo (50% DSR)
Upfront cash ≈ HK$3.23M (deposit + AVD stamp duty HK$150,638 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,846
−HK$1,056/mo
▼ 0.25% · 3.875%
HK$17,370
−HK$532/mo
Today · 4.125%
HK$17,902
baseline
▲ 0.50% · 4.625%
HK$18,991
+HK$1,089/mo
Deposit HK$2.46M · loan HK$3.69M · min. income ≈ HK$35,804/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$150,638 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,741
−HK$1,012/mo
▼ 0.25% · 3.875%
HK$19,243
−HK$510/mo
Today · 4.125%
HK$19,753
baseline
▲ 0.50% · 4.625%
HK$20,794
+HK$1,041/mo
Deposit HK$2.46M · loan HK$3.69M · min. income ≈ HK$39,506/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$150,638 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,653
−HK$1,233/mo
▼ 0.25% · 3.875%
HK$20,265
−HK$621/mo
Today · 4.125%
HK$20,886
baseline
▲ 0.50% · 4.625%
HK$22,157
+HK$1,271/mo
Deposit HK$1.85M · loan HK$4.31M · min. income ≈ HK$41,772/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$150,638 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,864
−HK$1,181/mo
▼ 0.25% · 3.875%
HK$22,451
−HK$594/mo
Today · 4.125%
HK$23,045
baseline
▲ 0.50% · 4.625%
HK$24,260
+HK$1,215/mo
Deposit HK$1.85M · loan HK$4.31M · min. income ≈ HK$46,090/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$150,638 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,269
−HK$1,584/mo
▼ 0.25% · 3.875%
HK$26,055
−HK$798/mo
Today · 4.125%
HK$26,853
baseline
▲ 0.50% · 4.625%
HK$28,487
+HK$1,634/mo
Deposit HK$616K · loan HK$5.54M · min. income ≈ HK$53,706/mo (50% DSR)
Upfront cash ≈ HK$766K (deposit + AVD stamp duty HK$150,638 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,111
−HK$1,519/mo
▼ 0.25% · 3.875%
HK$28,865
−HK$765/mo
Today · 4.125%
HK$29,630
baseline
▲ 0.50% · 4.625%
HK$31,192
+HK$1,562/mo
Deposit HK$616K · loan HK$5.54M · min. income ≈ HK$59,260/mo (50% DSR)
Upfront cash ≈ HK$766K (deposit + AVD stamp duty HK$150,638 · 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).