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$14,046
−HK$881/mo
▼ 0.25% · 3.875%
HK$14,483
−HK$444/mo
Today · 4.125%
HK$14,927
baseline
▲ 0.50% · 4.625%
HK$15,835
+HK$908/mo
Deposit HK$3.08M · loan HK$3.08M · min. income ≈ HK$29,854/mo (50% DSR)
Upfront cash ≈ HK$3.23M (deposit + AVD stamp duty HK$150,993 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,626
−HK$845/mo
▼ 0.25% · 3.875%
HK$16,045
−HK$426/mo
Today · 4.125%
HK$16,471
baseline
▲ 0.50% · 4.625%
HK$17,339
+HK$868/mo
Deposit HK$3.08M · loan HK$3.08M · min. income ≈ HK$32,942/mo (50% DSR)
Upfront cash ≈ HK$3.23M (deposit + AVD stamp duty HK$150,993 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,855
−HK$1,057/mo
▼ 0.25% · 3.875%
HK$17,380
−HK$532/mo
Today · 4.125%
HK$17,912
baseline
▲ 0.50% · 4.625%
HK$19,002
+HK$1,090/mo
Deposit HK$2.46M · loan HK$3.70M · min. income ≈ HK$35,824/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$150,993 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,752
−HK$1,013/mo
▼ 0.25% · 3.875%
HK$19,254
−HK$511/mo
Today · 4.125%
HK$19,765
baseline
▲ 0.50% · 4.625%
HK$20,806
+HK$1,041/mo
Deposit HK$2.46M · loan HK$3.70M · min. income ≈ HK$39,530/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$150,993 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,665
−HK$1,233/mo
▼ 0.25% · 3.875%
HK$20,276
−HK$622/mo
Today · 4.125%
HK$20,898
baseline
▲ 0.50% · 4.625%
HK$22,169
+HK$1,271/mo
Deposit HK$1.85M · loan HK$4.31M · min. income ≈ HK$41,796/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$150,993 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,877
−HK$1,182/mo
▼ 0.25% · 3.875%
HK$22,464
−HK$595/mo
Today · 4.125%
HK$23,059
baseline
▲ 0.50% · 4.625%
HK$24,274
+HK$1,215/mo
Deposit HK$1.85M · loan HK$4.31M · min. income ≈ HK$46,118/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$150,993 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,283
−HK$1,586/mo
▼ 0.25% · 3.875%
HK$26,070
−HK$799/mo
Today · 4.125%
HK$26,869
baseline
▲ 0.50% · 4.625%
HK$28,504
+HK$1,635/mo
Deposit HK$616K · loan HK$5.54M · min. income ≈ HK$53,738/mo (50% DSR)
Upfront cash ≈ HK$767K (deposit + AVD stamp duty HK$150,993 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,127
−HK$1,520/mo
▼ 0.25% · 3.875%
HK$28,882
−HK$765/mo
Today · 4.125%
HK$29,647
baseline
▲ 0.50% · 4.625%
HK$31,210
+HK$1,563/mo
Deposit HK$616K · loan HK$5.54M · min. income ≈ HK$59,294/mo (50% DSR)
Upfront cash ≈ HK$767K (deposit + AVD stamp duty HK$150,993 · 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).