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$13,940
−HK$874/mo
▼ 0.25% · 3.875%
HK$14,373
−HK$441/mo
Today · 4.125%
HK$14,814
baseline
▲ 0.50% · 4.625%
HK$15,715
+HK$901/mo
Deposit HK$3.06M · loan HK$3.06M · min. income ≈ HK$29,628/mo (50% DSR)
Upfront cash ≈ HK$3.20M (deposit + AVD stamp duty HK$146,315 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,508
−HK$837/mo
▼ 0.25% · 3.875%
HK$15,924
−HK$421/mo
Today · 4.125%
HK$16,345
baseline
▲ 0.50% · 4.625%
HK$17,207
+HK$862/mo
Deposit HK$3.06M · loan HK$3.06M · min. income ≈ HK$32,690/mo (50% DSR)
Upfront cash ≈ HK$3.20M (deposit + AVD stamp duty HK$146,315 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,727
−HK$1,049/mo
▼ 0.25% · 3.875%
HK$17,248
−HK$528/mo
Today · 4.125%
HK$17,776
baseline
▲ 0.50% · 4.625%
HK$18,858
+HK$1,082/mo
Deposit HK$2.45M · loan HK$3.67M · min. income ≈ HK$35,552/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$146,315 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,609
−HK$1,006/mo
▼ 0.25% · 3.875%
HK$19,108
−HK$507/mo
Today · 4.125%
HK$19,615
baseline
▲ 0.50% · 4.625%
HK$20,648
+HK$1,033/mo
Deposit HK$2.45M · loan HK$3.67M · min. income ≈ HK$39,230/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$146,315 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,515
−HK$1,224/mo
▼ 0.25% · 3.875%
HK$20,122
−HK$617/mo
Today · 4.125%
HK$20,739
baseline
▲ 0.50% · 4.625%
HK$22,001
+HK$1,262/mo
Deposit HK$1.83M · loan HK$4.28M · min. income ≈ HK$41,478/mo (50% DSR)
Upfront cash ≈ HK$1.98M (deposit + AVD stamp duty HK$146,315 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,711
−HK$1,173/mo
▼ 0.25% · 3.875%
HK$22,293
−HK$591/mo
Today · 4.125%
HK$22,884
baseline
▲ 0.50% · 4.625%
HK$24,090
+HK$1,206/mo
Deposit HK$1.83M · loan HK$4.28M · min. income ≈ HK$45,768/mo (50% DSR)
Upfront cash ≈ HK$1.98M (deposit + AVD stamp duty HK$146,315 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,091
−HK$1,574/mo
▼ 0.25% · 3.875%
HK$25,872
−HK$793/mo
Today · 4.125%
HK$26,665
baseline
▲ 0.50% · 4.625%
HK$28,287
+HK$1,622/mo
Deposit HK$611K · loan HK$5.50M · min. income ≈ HK$53,330/mo (50% DSR)
Upfront cash ≈ HK$758K (deposit + AVD stamp duty HK$146,315 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,914
−HK$1,508/mo
▼ 0.25% · 3.875%
HK$28,662
−HK$760/mo
Today · 4.125%
HK$29,422
baseline
▲ 0.50% · 4.625%
HK$30,973
+HK$1,551/mo
Deposit HK$611K · loan HK$5.50M · min. income ≈ HK$58,844/mo (50% DSR)
Upfront cash ≈ HK$758K (deposit + AVD stamp duty HK$146,315 · 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).