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$13,926
−HK$874/mo
▼ 0.25% · 3.875%
HK$14,360
−HK$440/mo
Today · 4.125%
HK$14,800
baseline
▲ 0.50% · 4.625%
HK$15,700
+HK$900/mo
Deposit HK$3.05M · loan HK$3.05M · min. income ≈ HK$29,600/mo (50% DSR)
Upfront cash ≈ HK$3.20M (deposit + AVD stamp duty HK$145,740 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,493
−HK$837/mo
▼ 0.25% · 3.875%
HK$15,909
−HK$421/mo
Today · 4.125%
HK$16,330
baseline
▲ 0.50% · 4.625%
HK$17,191
+HK$861/mo
Deposit HK$3.05M · loan HK$3.05M · min. income ≈ HK$32,660/mo (50% DSR)
Upfront cash ≈ HK$3.20M (deposit + AVD stamp duty HK$145,740 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,712
−HK$1,048/mo
▼ 0.25% · 3.875%
HK$17,232
−HK$528/mo
Today · 4.125%
HK$17,760
baseline
▲ 0.50% · 4.625%
HK$18,840
+HK$1,080/mo
Deposit HK$2.44M · loan HK$3.66M · min. income ≈ HK$35,520/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$145,740 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,592
−HK$1,004/mo
▼ 0.25% · 3.875%
HK$19,090
−HK$506/mo
Today · 4.125%
HK$19,596
baseline
▲ 0.50% · 4.625%
HK$20,629
+HK$1,033/mo
Deposit HK$2.44M · loan HK$3.66M · min. income ≈ HK$39,192/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$145,740 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,497
−HK$1,223/mo
▼ 0.25% · 3.875%
HK$20,103
−HK$617/mo
Today · 4.125%
HK$20,720
baseline
▲ 0.50% · 4.625%
HK$21,980
+HK$1,260/mo
Deposit HK$1.83M · loan HK$4.28M · min. income ≈ HK$41,440/mo (50% DSR)
Upfront cash ≈ HK$1.98M (deposit + AVD stamp duty HK$145,740 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,690
−HK$1,172/mo
▼ 0.25% · 3.875%
HK$22,272
−HK$590/mo
Today · 4.125%
HK$22,862
baseline
▲ 0.50% · 4.625%
HK$24,067
+HK$1,205/mo
Deposit HK$1.83M · loan HK$4.28M · min. income ≈ HK$45,724/mo (50% DSR)
Upfront cash ≈ HK$1.98M (deposit + AVD stamp duty HK$145,740 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,068
−HK$1,572/mo
▼ 0.25% · 3.875%
HK$25,847
−HK$793/mo
Today · 4.125%
HK$26,640
baseline
▲ 0.50% · 4.625%
HK$28,261
+HK$1,621/mo
Deposit HK$611K · loan HK$5.50M · min. income ≈ HK$53,280/mo (50% DSR)
Upfront cash ≈ HK$756K (deposit + AVD stamp duty HK$145,740 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,887
−HK$1,507/mo
▼ 0.25% · 3.875%
HK$28,635
−HK$759/mo
Today · 4.125%
HK$29,394
baseline
▲ 0.50% · 4.625%
HK$30,944
+HK$1,550/mo
Deposit HK$611K · loan HK$5.50M · min. income ≈ HK$58,788/mo (50% DSR)
Upfront cash ≈ HK$756K (deposit + AVD stamp duty HK$145,740 · 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).