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$14,042
−HK$881/mo
▼ 0.25% · 3.875%
HK$14,479
−HK$444/mo
Today · 4.125%
HK$14,923
baseline
▲ 0.50% · 4.625%
HK$15,831
+HK$908/mo
Deposit HK$3.08M · loan HK$3.08M · min. income ≈ HK$29,846/mo (50% DSR)
Upfront cash ≈ HK$3.23M (deposit + AVD stamp duty HK$150,810 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,622
−HK$844/mo
▼ 0.25% · 3.875%
HK$16,041
−HK$425/mo
Today · 4.125%
HK$16,466
baseline
▲ 0.50% · 4.625%
HK$17,334
+HK$868/mo
Deposit HK$3.08M · loan HK$3.08M · min. income ≈ HK$32,932/mo (50% DSR)
Upfront cash ≈ HK$3.23M (deposit + AVD stamp duty HK$150,810 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,850
−HK$1,057/mo
▼ 0.25% · 3.875%
HK$17,375
−HK$532/mo
Today · 4.125%
HK$17,907
baseline
▲ 0.50% · 4.625%
HK$18,997
+HK$1,090/mo
Deposit HK$2.46M · loan HK$3.69M · min. income ≈ HK$35,814/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$150,810 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,746
−HK$1,013/mo
▼ 0.25% · 3.875%
HK$19,249
−HK$510/mo
Today · 4.125%
HK$19,759
baseline
▲ 0.50% · 4.625%
HK$20,800
+HK$1,041/mo
Deposit HK$2.46M · loan HK$3.69M · min. income ≈ HK$39,518/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$150,810 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,659
−HK$1,233/mo
▼ 0.25% · 3.875%
HK$20,270
−HK$622/mo
Today · 4.125%
HK$20,892
baseline
▲ 0.50% · 4.625%
HK$22,163
+HK$1,271/mo
Deposit HK$1.85M · loan HK$4.31M · min. income ≈ HK$41,784/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$150,810 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,870
−HK$1,182/mo
▼ 0.25% · 3.875%
HK$22,457
−HK$595/mo
Today · 4.125%
HK$23,052
baseline
▲ 0.50% · 4.625%
HK$24,267
+HK$1,215/mo
Deposit HK$1.85M · loan HK$4.31M · min. income ≈ HK$46,104/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$150,810 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,276
−HK$1,585/mo
▼ 0.25% · 3.875%
HK$26,062
−HK$799/mo
Today · 4.125%
HK$26,861
baseline
▲ 0.50% · 4.625%
HK$28,495
+HK$1,634/mo
Deposit HK$616K · loan HK$5.54M · min. income ≈ HK$53,722/mo (50% DSR)
Upfront cash ≈ HK$767K (deposit + AVD stamp duty HK$150,810 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,119
−HK$1,519/mo
▼ 0.25% · 3.875%
HK$28,873
−HK$765/mo
Today · 4.125%
HK$29,638
baseline
▲ 0.50% · 4.625%
HK$31,200
+HK$1,562/mo
Deposit HK$616K · loan HK$5.54M · min. income ≈ HK$59,276/mo (50% DSR)
Upfront cash ≈ HK$767K (deposit + AVD stamp duty HK$150,810 · 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).