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$14,044
−HK$880/mo
▼ 0.25% · 3.875%
HK$14,481
−HK$443/mo
Today · 4.125%
HK$14,924
baseline
▲ 0.50% · 4.625%
HK$15,832
+HK$908/mo
Deposit HK$3.08M · loan HK$3.08M · min. income ≈ HK$29,848/mo (50% DSR)
Upfront cash ≈ HK$3.23M (deposit + AVD stamp duty HK$150,882 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,623
−HK$845/mo
▼ 0.25% · 3.875%
HK$16,042
−HK$426/mo
Today · 4.125%
HK$16,468
baseline
▲ 0.50% · 4.625%
HK$17,336
+HK$868/mo
Deposit HK$3.08M · loan HK$3.08M · min. income ≈ HK$32,936/mo (50% DSR)
Upfront cash ≈ HK$3.23M (deposit + AVD stamp duty HK$150,882 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,852
−HK$1,057/mo
▼ 0.25% · 3.875%
HK$17,377
−HK$532/mo
Today · 4.125%
HK$17,909
baseline
▲ 0.50% · 4.625%
HK$18,999
+HK$1,090/mo
Deposit HK$2.46M · loan HK$3.70M · min. income ≈ HK$35,818/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$150,882 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,748
−HK$1,013/mo
▼ 0.25% · 3.875%
HK$19,251
−HK$510/mo
Today · 4.125%
HK$19,761
baseline
▲ 0.50% · 4.625%
HK$20,803
+HK$1,042/mo
Deposit HK$2.46M · loan HK$3.70M · min. income ≈ HK$39,522/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$150,882 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,661
−HK$1,233/mo
▼ 0.25% · 3.875%
HK$20,273
−HK$621/mo
Today · 4.125%
HK$20,894
baseline
▲ 0.50% · 4.625%
HK$22,165
+HK$1,271/mo
Deposit HK$1.85M · loan HK$4.31M · min. income ≈ HK$41,788/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$150,882 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,873
−HK$1,182/mo
▼ 0.25% · 3.875%
HK$22,459
−HK$596/mo
Today · 4.125%
HK$23,055
baseline
▲ 0.50% · 4.625%
HK$24,270
+HK$1,215/mo
Deposit HK$1.85M · loan HK$4.31M · min. income ≈ HK$46,110/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$150,882 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,279
−HK$1,585/mo
▼ 0.25% · 3.875%
HK$26,065
−HK$799/mo
Today · 4.125%
HK$26,864
baseline
▲ 0.50% · 4.625%
HK$28,498
+HK$1,634/mo
Deposit HK$616K · loan HK$5.54M · min. income ≈ HK$53,728/mo (50% DSR)
Upfront cash ≈ HK$767K (deposit + AVD stamp duty HK$150,882 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,122
−HK$1,520/mo
▼ 0.25% · 3.875%
HK$28,876
−HK$766/mo
Today · 4.125%
HK$29,642
baseline
▲ 0.50% · 4.625%
HK$31,204
+HK$1,562/mo
Deposit HK$616K · loan HK$5.54M · min. income ≈ HK$59,284/mo (50% DSR)
Upfront cash ≈ HK$767K (deposit + AVD stamp duty HK$150,882 · 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).