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$14,040
−HK$880/mo
▼ 0.25% · 3.875%
HK$14,476
−HK$444/mo
Today · 4.125%
HK$14,920
baseline
▲ 0.50% · 4.625%
HK$15,828
+HK$908/mo
Deposit HK$3.08M · loan HK$3.08M · min. income ≈ HK$29,840/mo (50% DSR)
Upfront cash ≈ HK$3.23M (deposit + AVD stamp duty HK$150,701 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,619
−HK$844/mo
▼ 0.25% · 3.875%
HK$16,038
−HK$425/mo
Today · 4.125%
HK$16,463
baseline
▲ 0.50% · 4.625%
HK$17,330
+HK$867/mo
Deposit HK$3.08M · loan HK$3.08M · min. income ≈ HK$32,926/mo (50% DSR)
Upfront cash ≈ HK$3.23M (deposit + AVD stamp duty HK$150,701 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,847
−HK$1,057/mo
▼ 0.25% · 3.875%
HK$17,372
−HK$532/mo
Today · 4.125%
HK$17,904
baseline
▲ 0.50% · 4.625%
HK$18,993
+HK$1,089/mo
Deposit HK$2.46M · loan HK$3.69M · min. income ≈ HK$35,808/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$150,701 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,743
−HK$1,012/mo
▼ 0.25% · 3.875%
HK$19,245
−HK$510/mo
Today · 4.125%
HK$19,755
baseline
▲ 0.50% · 4.625%
HK$20,797
+HK$1,042/mo
Deposit HK$2.46M · loan HK$3.69M · min. income ≈ HK$39,510/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$150,701 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,655
−HK$1,233/mo
▼ 0.25% · 3.875%
HK$20,267
−HK$621/mo
Today · 4.125%
HK$20,888
baseline
▲ 0.50% · 4.625%
HK$22,159
+HK$1,271/mo
Deposit HK$1.85M · loan HK$4.31M · min. income ≈ HK$41,776/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$150,701 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,866
−HK$1,182/mo
▼ 0.25% · 3.875%
HK$22,453
−HK$595/mo
Today · 4.125%
HK$23,048
baseline
▲ 0.50% · 4.625%
HK$24,263
+HK$1,215/mo
Deposit HK$1.85M · loan HK$4.31M · min. income ≈ HK$46,096/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$150,701 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,271
−HK$1,585/mo
▼ 0.25% · 3.875%
HK$26,057
−HK$799/mo
Today · 4.125%
HK$26,856
baseline
▲ 0.50% · 4.625%
HK$28,490
+HK$1,634/mo
Deposit HK$616K · loan HK$5.54M · min. income ≈ HK$53,712/mo (50% DSR)
Upfront cash ≈ HK$766K (deposit + AVD stamp duty HK$150,701 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,114
−HK$1,519/mo
▼ 0.25% · 3.875%
HK$28,868
−HK$765/mo
Today · 4.125%
HK$29,633
baseline
▲ 0.50% · 4.625%
HK$31,195
+HK$1,562/mo
Deposit HK$616K · loan HK$5.54M · min. income ≈ HK$59,266/mo (50% DSR)
Upfront cash ≈ HK$766K (deposit + AVD stamp duty HK$150,701 · 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).