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$14,374
−HK$440/mo
Today · 4.125%
HK$14,814
baseline
▲ 0.50% · 4.625%
HK$15,716
+HK$902/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$146,338 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,508
−HK$838/mo
▼ 0.25% · 3.875%
HK$15,924
−HK$422/mo
Today · 4.125%
HK$16,346
baseline
▲ 0.50% · 4.625%
HK$17,208
+HK$862/mo
Deposit HK$3.06M · loan HK$3.06M · min. income ≈ HK$32,692/mo (50% DSR)
Upfront cash ≈ HK$3.20M (deposit + AVD stamp duty HK$146,338 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,728
−HK$1,049/mo
▼ 0.25% · 3.875%
HK$17,248
−HK$529/mo
Today · 4.125%
HK$17,777
baseline
▲ 0.50% · 4.625%
HK$18,859
+HK$1,082/mo
Deposit HK$2.45M · loan HK$3.67M · min. income ≈ HK$35,554/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$146,338 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,610
−HK$1,005/mo
▼ 0.25% · 3.875%
HK$19,109
−HK$506/mo
Today · 4.125%
HK$19,615
baseline
▲ 0.50% · 4.625%
HK$20,649
+HK$1,034/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$146,338 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,516
−HK$1,224/mo
▼ 0.25% · 3.875%
HK$20,123
−HK$617/mo
Today · 4.125%
HK$20,740
baseline
▲ 0.50% · 4.625%
HK$22,002
+HK$1,262/mo
Deposit HK$1.83M · loan HK$4.28M · min. income ≈ HK$41,480/mo (50% DSR)
Upfront cash ≈ HK$1.98M (deposit + AVD stamp duty HK$146,338 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,711
−HK$1,173/mo
▼ 0.25% · 3.875%
HK$22,294
−HK$590/mo
Today · 4.125%
HK$22,884
baseline
▲ 0.50% · 4.625%
HK$24,091
+HK$1,207/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$146,338 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,092
−HK$1,574/mo
▼ 0.25% · 3.875%
HK$25,873
−HK$793/mo
Today · 4.125%
HK$26,666
baseline
▲ 0.50% · 4.625%
HK$28,288
+HK$1,622/mo
Deposit HK$611K · loan HK$5.50M · min. income ≈ HK$53,332/mo (50% DSR)
Upfront cash ≈ HK$758K (deposit + AVD stamp duty HK$146,338 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,915
−HK$1,508/mo
▼ 0.25% · 3.875%
HK$28,663
−HK$760/mo
Today · 4.125%
HK$29,423
baseline
▲ 0.50% · 4.625%
HK$30,974
+HK$1,551/mo
Deposit HK$611K · loan HK$5.50M · min. income ≈ HK$58,846/mo (50% DSR)
Upfront cash ≈ HK$758K (deposit + AVD stamp duty HK$146,338 · 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).