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$14,027
−HK$879/mo
▼ 0.25% · 3.875%
HK$14,463
−HK$443/mo
Today · 4.125%
HK$14,906
baseline
▲ 0.50% · 4.625%
HK$15,813
+HK$907/mo
Deposit HK$3.08M · loan HK$3.08M · min. income ≈ HK$29,812/mo (50% DSR)
Upfront cash ≈ HK$3.23M (deposit + AVD stamp duty HK$150,144 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,605
−HK$843/mo
▼ 0.25% · 3.875%
HK$16,023
−HK$425/mo
Today · 4.125%
HK$16,448
baseline
▲ 0.50% · 4.625%
HK$17,315
+HK$867/mo
Deposit HK$3.08M · loan HK$3.08M · min. income ≈ HK$32,896/mo (50% DSR)
Upfront cash ≈ HK$3.23M (deposit + AVD stamp duty HK$150,144 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,832
−HK$1,056/mo
▼ 0.25% · 3.875%
HK$17,356
−HK$532/mo
Today · 4.125%
HK$17,888
baseline
▲ 0.50% · 4.625%
HK$18,976
+HK$1,088/mo
Deposit HK$2.46M · loan HK$3.69M · min. income ≈ HK$35,776/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$150,144 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,726
−HK$1,011/mo
▼ 0.25% · 3.875%
HK$19,228
−HK$509/mo
Today · 4.125%
HK$19,737
baseline
▲ 0.50% · 4.625%
HK$20,778
+HK$1,041/mo
Deposit HK$2.46M · loan HK$3.69M · min. income ≈ HK$39,474/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$150,144 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,638
−HK$1,231/mo
▼ 0.25% · 3.875%
HK$20,248
−HK$621/mo
Today · 4.125%
HK$20,869
baseline
▲ 0.50% · 4.625%
HK$22,139
+HK$1,270/mo
Deposit HK$1.85M · loan HK$4.31M · min. income ≈ HK$41,738/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$150,144 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,847
−HK$1,180/mo
▼ 0.25% · 3.875%
HK$22,433
−HK$594/mo
Today · 4.125%
HK$23,027
baseline
▲ 0.50% · 4.625%
HK$24,241
+HK$1,214/mo
Deposit HK$1.85M · loan HK$4.31M · min. income ≈ HK$46,054/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$150,144 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,248
−HK$1,584/mo
▼ 0.25% · 3.875%
HK$26,034
−HK$798/mo
Today · 4.125%
HK$26,832
baseline
▲ 0.50% · 4.625%
HK$28,464
+HK$1,632/mo
Deposit HK$615K · loan HK$5.54M · min. income ≈ HK$53,664/mo (50% DSR)
Upfront cash ≈ HK$765K (deposit + AVD stamp duty HK$150,144 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,089
−HK$1,517/mo
▼ 0.25% · 3.875%
HK$28,842
−HK$764/mo
Today · 4.125%
HK$29,606
baseline
▲ 0.50% · 4.625%
HK$31,167
+HK$1,561/mo
Deposit HK$615K · loan HK$5.54M · min. income ≈ HK$59,212/mo (50% DSR)
Upfront cash ≈ HK$765K (deposit + AVD stamp duty HK$150,144 · 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).