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$881/mo
▼ 0.25% · 3.875%
HK$14,473
−HK$444/mo
Today · 4.125%
HK$14,917
baseline
▲ 0.50% · 4.625%
HK$15,824
+HK$907/mo
Deposit HK$3.08M · loan HK$3.08M · min. income ≈ HK$29,834/mo (50% DSR)
Upfront cash ≈ HK$3.23M (deposit + AVD stamp duty HK$150,558 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,615
−HK$844/mo
▼ 0.25% · 3.875%
HK$16,034
−HK$425/mo
Today · 4.125%
HK$16,459
baseline
▲ 0.50% · 4.625%
HK$17,326
+HK$867/mo
Deposit HK$3.08M · loan HK$3.08M · min. income ≈ HK$32,918/mo (50% DSR)
Upfront cash ≈ HK$3.23M (deposit + AVD stamp duty HK$150,558 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,844
−HK$1,056/mo
▼ 0.25% · 3.875%
HK$17,367
−HK$533/mo
Today · 4.125%
HK$17,900
baseline
▲ 0.50% · 4.625%
HK$18,989
+HK$1,089/mo
Deposit HK$2.46M · loan HK$3.69M · min. income ≈ HK$35,800/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$150,558 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,738
−HK$1,013/mo
▼ 0.25% · 3.875%
HK$19,241
−HK$510/mo
Today · 4.125%
HK$19,751
baseline
▲ 0.50% · 4.625%
HK$20,792
+HK$1,041/mo
Deposit HK$2.46M · loan HK$3.69M · min. income ≈ HK$39,502/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$150,558 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,651
−HK$1,232/mo
▼ 0.25% · 3.875%
HK$20,262
−HK$621/mo
Today · 4.125%
HK$20,883
baseline
▲ 0.50% · 4.625%
HK$22,154
+HK$1,271/mo
Deposit HK$1.85M · loan HK$4.31M · min. income ≈ HK$41,766/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$150,558 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,861
−HK$1,181/mo
▼ 0.25% · 3.875%
HK$22,448
−HK$594/mo
Today · 4.125%
HK$23,042
baseline
▲ 0.50% · 4.625%
HK$24,257
+HK$1,215/mo
Deposit HK$1.85M · loan HK$4.31M · min. income ≈ HK$46,084/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$150,558 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,265
−HK$1,585/mo
▼ 0.25% · 3.875%
HK$26,051
−HK$799/mo
Today · 4.125%
HK$26,850
baseline
▲ 0.50% · 4.625%
HK$28,483
+HK$1,633/mo
Deposit HK$616K · loan HK$5.54M · min. income ≈ HK$53,700/mo (50% DSR)
Upfront cash ≈ HK$766K (deposit + AVD stamp duty HK$150,558 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,107
−HK$1,519/mo
▼ 0.25% · 3.875%
HK$28,861
−HK$765/mo
Today · 4.125%
HK$29,626
baseline
▲ 0.50% · 4.625%
HK$31,188
+HK$1,562/mo
Deposit HK$616K · loan HK$5.54M · min. income ≈ HK$59,252/mo (50% DSR)
Upfront cash ≈ HK$766K (deposit + AVD stamp duty HK$150,558 · 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).