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$13,924
−HK$873/mo
▼ 0.25% · 3.875%
HK$14,357
−HK$440/mo
Today · 4.125%
HK$14,797
baseline
▲ 0.50% · 4.625%
HK$15,697
+HK$900/mo
Deposit HK$3.05M · loan HK$3.05M · min. income ≈ HK$29,594/mo (50% DSR)
Upfront cash ≈ HK$3.20M (deposit + AVD stamp duty HK$145,618 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,490
−HK$837/mo
▼ 0.25% · 3.875%
HK$15,905
−HK$422/mo
Today · 4.125%
HK$16,327
baseline
▲ 0.50% · 4.625%
HK$17,187
+HK$860/mo
Deposit HK$3.05M · loan HK$3.05M · min. income ≈ HK$32,654/mo (50% DSR)
Upfront cash ≈ HK$3.20M (deposit + AVD stamp duty HK$145,618 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,708
−HK$1,048/mo
▼ 0.25% · 3.875%
HK$17,228
−HK$528/mo
Today · 4.125%
HK$17,756
baseline
▲ 0.50% · 4.625%
HK$18,837
+HK$1,081/mo
Deposit HK$2.44M · loan HK$3.66M · min. income ≈ HK$35,512/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$145,618 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,588
−HK$1,004/mo
▼ 0.25% · 3.875%
HK$19,086
−HK$506/mo
Today · 4.125%
HK$19,592
baseline
▲ 0.50% · 4.625%
HK$20,625
+HK$1,033/mo
Deposit HK$2.44M · loan HK$3.66M · min. income ≈ HK$39,184/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$145,618 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,493
−HK$1,222/mo
▼ 0.25% · 3.875%
HK$20,099
−HK$616/mo
Today · 4.125%
HK$20,715
baseline
▲ 0.50% · 4.625%
HK$21,976
+HK$1,261/mo
Deposit HK$1.83M · loan HK$4.27M · min. income ≈ HK$41,430/mo (50% DSR)
Upfront cash ≈ HK$1.98M (deposit + AVD stamp duty HK$145,618 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,686
−HK$1,172/mo
▼ 0.25% · 3.875%
HK$22,267
−HK$591/mo
Today · 4.125%
HK$22,858
baseline
▲ 0.50% · 4.625%
HK$24,062
+HK$1,204/mo
Deposit HK$1.83M · loan HK$4.27M · min. income ≈ HK$45,716/mo (50% DSR)
Upfront cash ≈ HK$1.98M (deposit + AVD stamp duty HK$145,618 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,063
−HK$1,571/mo
▼ 0.25% · 3.875%
HK$25,842
−HK$792/mo
Today · 4.125%
HK$26,634
baseline
▲ 0.50% · 4.625%
HK$28,255
+HK$1,621/mo
Deposit HK$611K · loan HK$5.50M · min. income ≈ HK$53,268/mo (50% DSR)
Upfront cash ≈ HK$756K (deposit + AVD stamp duty HK$145,618 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,882
−HK$1,506/mo
▼ 0.25% · 3.875%
HK$28,630
−HK$758/mo
Today · 4.125%
HK$29,388
baseline
▲ 0.50% · 4.625%
HK$30,937
+HK$1,549/mo
Deposit HK$611K · loan HK$5.50M · min. income ≈ HK$58,776/mo (50% DSR)
Upfront cash ≈ HK$756K (deposit + AVD stamp duty HK$145,618 · 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).