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$14,024
−HK$879/mo
▼ 0.25% · 3.875%
HK$14,460
−HK$443/mo
Today · 4.125%
HK$14,903
baseline
▲ 0.50% · 4.625%
HK$15,810
+HK$907/mo
Deposit HK$3.08M · loan HK$3.08M · min. income ≈ HK$29,806/mo (50% DSR)
Upfront cash ≈ HK$3.23M (deposit + AVD stamp duty HK$150,003 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,601
−HK$843/mo
▼ 0.25% · 3.875%
HK$16,020
−HK$424/mo
Today · 4.125%
HK$16,444
baseline
▲ 0.50% · 4.625%
HK$17,311
+HK$867/mo
Deposit HK$3.08M · loan HK$3.08M · min. income ≈ HK$32,888/mo (50% DSR)
Upfront cash ≈ HK$3.23M (deposit + AVD stamp duty HK$150,003 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,828
−HK$1,056/mo
▼ 0.25% · 3.875%
HK$17,352
−HK$532/mo
Today · 4.125%
HK$17,884
baseline
▲ 0.50% · 4.625%
HK$18,972
+HK$1,088/mo
Deposit HK$2.46M · loan HK$3.69M · min. income ≈ HK$35,768/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$150,003 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,721
−HK$1,012/mo
▼ 0.25% · 3.875%
HK$19,223
−HK$510/mo
Today · 4.125%
HK$19,733
baseline
▲ 0.50% · 4.625%
HK$20,773
+HK$1,040/mo
Deposit HK$2.46M · loan HK$3.69M · min. income ≈ HK$39,466/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$150,003 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,633
−HK$1,231/mo
▼ 0.25% · 3.875%
HK$20,244
−HK$620/mo
Today · 4.125%
HK$20,864
baseline
▲ 0.50% · 4.625%
HK$22,134
+HK$1,270/mo
Deposit HK$1.85M · loan HK$4.31M · min. income ≈ HK$41,728/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$150,003 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,842
−HK$1,180/mo
▼ 0.25% · 3.875%
HK$22,427
−HK$595/mo
Today · 4.125%
HK$23,022
baseline
▲ 0.50% · 4.625%
HK$24,235
+HK$1,213/mo
Deposit HK$1.85M · loan HK$4.31M · min. income ≈ HK$46,044/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$150,003 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,243
−HK$1,582/mo
▼ 0.25% · 3.875%
HK$26,028
−HK$797/mo
Today · 4.125%
HK$26,825
baseline
▲ 0.50% · 4.625%
HK$28,458
+HK$1,633/mo
Deposit HK$615K · loan HK$5.54M · min. income ≈ HK$53,650/mo (50% DSR)
Upfront cash ≈ HK$765K (deposit + AVD stamp duty HK$150,003 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,082
−HK$1,517/mo
▼ 0.25% · 3.875%
HK$28,835
−HK$764/mo
Today · 4.125%
HK$29,599
baseline
▲ 0.50% · 4.625%
HK$31,160
+HK$1,561/mo
Deposit HK$615K · loan HK$5.54M · min. income ≈ HK$59,198/mo (50% DSR)
Upfront cash ≈ HK$765K (deposit + AVD stamp duty HK$150,003 · 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).