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$13,943
−HK$875/mo
▼ 0.25% · 3.875%
HK$14,377
−HK$441/mo
Today · 4.125%
HK$14,818
baseline
▲ 0.50% · 4.625%
HK$15,719
+HK$901/mo
Deposit HK$3.06M · loan HK$3.06M · min. income ≈ HK$29,636/mo (50% DSR)
Upfront cash ≈ HK$3.20M (deposit + AVD stamp duty HK$146,479 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,512
−HK$838/mo
▼ 0.25% · 3.875%
HK$15,928
−HK$422/mo
Today · 4.125%
HK$16,350
baseline
▲ 0.50% · 4.625%
HK$17,212
+HK$862/mo
Deposit HK$3.06M · loan HK$3.06M · min. income ≈ HK$32,700/mo (50% DSR)
Upfront cash ≈ HK$3.20M (deposit + AVD stamp duty HK$146,479 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,732
−HK$1,049/mo
▼ 0.25% · 3.875%
HK$17,252
−HK$529/mo
Today · 4.125%
HK$17,781
baseline
▲ 0.50% · 4.625%
HK$18,863
+HK$1,082/mo
Deposit HK$2.45M · loan HK$3.67M · min. income ≈ HK$35,562/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$146,479 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,614
−HK$1,006/mo
▼ 0.25% · 3.875%
HK$19,113
−HK$507/mo
Today · 4.125%
HK$19,620
baseline
▲ 0.50% · 4.625%
HK$20,654
+HK$1,034/mo
Deposit HK$2.45M · loan HK$3.67M · min. income ≈ HK$39,240/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$146,479 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,521
−HK$1,224/mo
▼ 0.25% · 3.875%
HK$20,128
−HK$617/mo
Today · 4.125%
HK$20,745
baseline
▲ 0.50% · 4.625%
HK$22,007
+HK$1,262/mo
Deposit HK$1.83M · loan HK$4.28M · min. income ≈ HK$41,490/mo (50% DSR)
Upfront cash ≈ HK$1.98M (deposit + AVD stamp duty HK$146,479 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,716
−HK$1,174/mo
▼ 0.25% · 3.875%
HK$22,299
−HK$591/mo
Today · 4.125%
HK$22,890
baseline
▲ 0.50% · 4.625%
HK$24,096
+HK$1,206/mo
Deposit HK$1.83M · loan HK$4.28M · min. income ≈ HK$45,780/mo (50% DSR)
Upfront cash ≈ HK$1.98M (deposit + AVD stamp duty HK$146,479 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,098
−HK$1,574/mo
▼ 0.25% · 3.875%
HK$25,879
−HK$793/mo
Today · 4.125%
HK$26,672
baseline
▲ 0.50% · 4.625%
HK$28,295
+HK$1,623/mo
Deposit HK$611K · loan HK$5.50M · min. income ≈ HK$53,344/mo (50% DSR)
Upfront cash ≈ HK$758K (deposit + AVD stamp duty HK$146,479 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,921
−HK$1,509/mo
▼ 0.25% · 3.875%
HK$28,670
−HK$760/mo
Today · 4.125%
HK$29,430
baseline
▲ 0.50% · 4.625%
HK$30,981
+HK$1,551/mo
Deposit HK$611K · loan HK$5.50M · min. income ≈ HK$58,860/mo (50% DSR)
Upfront cash ≈ HK$758K (deposit + AVD stamp duty HK$146,479 · 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).