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$13,932
−HK$873/mo
▼ 0.25% · 3.875%
HK$14,365
−HK$440/mo
Today · 4.125%
HK$14,805
baseline
▲ 0.50% · 4.625%
HK$15,706
+HK$901/mo
Deposit HK$3.05M · loan HK$3.05M · min. income ≈ HK$29,610/mo (50% DSR)
Upfront cash ≈ HK$3.20M (deposit + AVD stamp duty HK$145,974 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,499
−HK$837/mo
▼ 0.25% · 3.875%
HK$15,915
−HK$421/mo
Today · 4.125%
HK$16,336
baseline
▲ 0.50% · 4.625%
HK$17,197
+HK$861/mo
Deposit HK$3.05M · loan HK$3.05M · min. income ≈ HK$32,672/mo (50% DSR)
Upfront cash ≈ HK$3.20M (deposit + AVD stamp duty HK$145,974 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,718
−HK$1,048/mo
▼ 0.25% · 3.875%
HK$17,238
−HK$528/mo
Today · 4.125%
HK$17,766
baseline
▲ 0.50% · 4.625%
HK$18,848
+HK$1,082/mo
Deposit HK$2.44M · loan HK$3.67M · min. income ≈ HK$35,532/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$145,974 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,599
−HK$1,005/mo
▼ 0.25% · 3.875%
HK$19,098
−HK$506/mo
Today · 4.125%
HK$19,604
baseline
▲ 0.50% · 4.625%
HK$20,637
+HK$1,033/mo
Deposit HK$2.44M · loan HK$3.67M · min. income ≈ HK$39,208/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$145,974 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,504
−HK$1,224/mo
▼ 0.25% · 3.875%
HK$20,111
−HK$617/mo
Today · 4.125%
HK$20,728
baseline
▲ 0.50% · 4.625%
HK$21,989
+HK$1,261/mo
Deposit HK$1.83M · loan HK$4.28M · min. income ≈ HK$41,456/mo (50% DSR)
Upfront cash ≈ HK$1.98M (deposit + AVD stamp duty HK$145,974 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,699
−HK$1,172/mo
▼ 0.25% · 3.875%
HK$22,280
−HK$591/mo
Today · 4.125%
HK$22,871
baseline
▲ 0.50% · 4.625%
HK$24,076
+HK$1,205/mo
Deposit HK$1.83M · loan HK$4.28M · min. income ≈ HK$45,742/mo (50% DSR)
Upfront cash ≈ HK$1.98M (deposit + AVD stamp duty HK$145,974 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,077
−HK$1,573/mo
▼ 0.25% · 3.875%
HK$25,857
−HK$793/mo
Today · 4.125%
HK$26,650
baseline
▲ 0.50% · 4.625%
HK$28,271
+HK$1,621/mo
Deposit HK$611K · loan HK$5.50M · min. income ≈ HK$53,300/mo (50% DSR)
Upfront cash ≈ HK$757K (deposit + AVD stamp duty HK$145,974 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,898
−HK$1,507/mo
▼ 0.25% · 3.875%
HK$28,646
−HK$759/mo
Today · 4.125%
HK$29,405
baseline
▲ 0.50% · 4.625%
HK$30,955
+HK$1,550/mo
Deposit HK$611K · loan HK$5.50M · min. income ≈ HK$58,810/mo (50% DSR)
Upfront cash ≈ HK$757K (deposit + AVD stamp duty HK$145,974 · 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).