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$13,947
−HK$875/mo
▼ 0.25% · 3.875%
HK$14,381
−HK$441/mo
Today · 4.125%
HK$14,822
baseline
▲ 0.50% · 4.625%
HK$15,724
+HK$902/mo
Deposit HK$3.06M · loan HK$3.06M · min. income ≈ HK$29,644/mo (50% DSR)
Upfront cash ≈ HK$3.20M (deposit + AVD stamp duty HK$146,648 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,516
−HK$838/mo
▼ 0.25% · 3.875%
HK$15,932
−HK$422/mo
Today · 4.125%
HK$16,354
baseline
▲ 0.50% · 4.625%
HK$17,216
+HK$862/mo
Deposit HK$3.06M · loan HK$3.06M · min. income ≈ HK$32,708/mo (50% DSR)
Upfront cash ≈ HK$3.20M (deposit + AVD stamp duty HK$146,648 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,737
−HK$1,049/mo
▼ 0.25% · 3.875%
HK$17,257
−HK$529/mo
Today · 4.125%
HK$17,786
baseline
▲ 0.50% · 4.625%
HK$18,868
+HK$1,082/mo
Deposit HK$2.45M · loan HK$3.67M · min. income ≈ HK$35,572/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$146,648 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,619
−HK$1,006/mo
▼ 0.25% · 3.875%
HK$19,119
−HK$506/mo
Today · 4.125%
HK$19,625
baseline
▲ 0.50% · 4.625%
HK$20,660
+HK$1,035/mo
Deposit HK$2.45M · loan HK$3.67M · min. income ≈ HK$39,250/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$146,648 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,526
−HK$1,224/mo
▼ 0.25% · 3.875%
HK$20,133
−HK$617/mo
Today · 4.125%
HK$20,750
baseline
▲ 0.50% · 4.625%
HK$22,013
+HK$1,263/mo
Deposit HK$1.83M · loan HK$4.28M · min. income ≈ HK$41,500/mo (50% DSR)
Upfront cash ≈ HK$1.98M (deposit + AVD stamp duty HK$146,648 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,722
−HK$1,174/mo
▼ 0.25% · 3.875%
HK$22,305
−HK$591/mo
Today · 4.125%
HK$22,896
baseline
▲ 0.50% · 4.625%
HK$24,103
+HK$1,207/mo
Deposit HK$1.83M · loan HK$4.28M · min. income ≈ HK$45,792/mo (50% DSR)
Upfront cash ≈ HK$1.98M (deposit + AVD stamp duty HK$146,648 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,105
−HK$1,574/mo
▼ 0.25% · 3.875%
HK$25,886
−HK$793/mo
Today · 4.125%
HK$26,679
baseline
▲ 0.50% · 4.625%
HK$28,302
+HK$1,623/mo
Deposit HK$612K · loan HK$5.50M · min. income ≈ HK$53,358/mo (50% DSR)
Upfront cash ≈ HK$758K (deposit + AVD stamp duty HK$146,648 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,929
−HK$1,509/mo
▼ 0.25% · 3.875%
HK$28,678
−HK$760/mo
Today · 4.125%
HK$29,438
baseline
▲ 0.50% · 4.625%
HK$30,989
+HK$1,551/mo
Deposit HK$612K · loan HK$5.50M · min. income ≈ HK$58,876/mo (50% DSR)
Upfront cash ≈ HK$758K (deposit + AVD stamp duty HK$146,648 · 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).