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$13,935
−HK$873/mo
▼ 0.25% · 3.875%
HK$14,368
−HK$440/mo
Today · 4.125%
HK$14,808
baseline
▲ 0.50% · 4.625%
HK$15,710
+HK$902/mo
Deposit HK$3.06M · loan HK$3.06M · min. income ≈ HK$29,616/mo (50% DSR)
Upfront cash ≈ HK$3.20M (deposit + AVD stamp duty HK$146,099 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,502
−HK$838/mo
▼ 0.25% · 3.875%
HK$15,918
−HK$422/mo
Today · 4.125%
HK$16,340
baseline
▲ 0.50% · 4.625%
HK$17,201
+HK$861/mo
Deposit HK$3.06M · loan HK$3.06M · min. income ≈ HK$32,680/mo (50% DSR)
Upfront cash ≈ HK$3.20M (deposit + AVD stamp duty HK$146,099 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,722
−HK$1,048/mo
▼ 0.25% · 3.875%
HK$17,242
−HK$528/mo
Today · 4.125%
HK$17,770
baseline
▲ 0.50% · 4.625%
HK$18,851
+HK$1,081/mo
Deposit HK$2.44M · loan HK$3.67M · min. income ≈ HK$35,540/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$146,099 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,603
−HK$1,005/mo
▼ 0.25% · 3.875%
HK$19,101
−HK$507/mo
Today · 4.125%
HK$19,608
baseline
▲ 0.50% · 4.625%
HK$20,641
+HK$1,033/mo
Deposit HK$2.44M · loan HK$3.67M · min. income ≈ HK$39,216/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$146,099 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,508
−HK$1,224/mo
▼ 0.25% · 3.875%
HK$20,115
−HK$617/mo
Today · 4.125%
HK$20,732
baseline
▲ 0.50% · 4.625%
HK$21,993
+HK$1,261/mo
Deposit HK$1.83M · loan HK$4.28M · min. income ≈ HK$41,464/mo (50% DSR)
Upfront cash ≈ HK$1.98M (deposit + AVD stamp duty HK$146,099 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,703
−HK$1,173/mo
▼ 0.25% · 3.875%
HK$22,285
−HK$591/mo
Today · 4.125%
HK$22,876
baseline
▲ 0.50% · 4.625%
HK$24,081
+HK$1,205/mo
Deposit HK$1.83M · loan HK$4.28M · min. income ≈ HK$45,752/mo (50% DSR)
Upfront cash ≈ HK$1.98M (deposit + AVD stamp duty HK$146,099 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,082
−HK$1,573/mo
▼ 0.25% · 3.875%
HK$25,863
−HK$792/mo
Today · 4.125%
HK$26,655
baseline
▲ 0.50% · 4.625%
HK$28,277
+HK$1,622/mo
Deposit HK$611K · loan HK$5.50M · min. income ≈ HK$53,310/mo (50% DSR)
Upfront cash ≈ HK$757K (deposit + AVD stamp duty HK$146,099 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,904
−HK$1,507/mo
▼ 0.25% · 3.875%
HK$28,652
−HK$759/mo
Today · 4.125%
HK$29,411
baseline
▲ 0.50% · 4.625%
HK$30,962
+HK$1,551/mo
Deposit HK$611K · loan HK$5.50M · min. income ≈ HK$58,822/mo (50% DSR)
Upfront cash ≈ HK$757K (deposit + AVD stamp duty HK$146,099 · 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).