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$13,937
−HK$874/mo
▼ 0.25% · 3.875%
HK$14,370
−HK$441/mo
Today · 4.125%
HK$14,811
baseline
▲ 0.50% · 4.625%
HK$15,712
+HK$901/mo
Deposit HK$3.06M · loan HK$3.06M · min. income ≈ HK$29,622/mo (50% DSR)
Upfront cash ≈ HK$3.20M (deposit + AVD stamp duty HK$146,186 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,504
−HK$838/mo
▼ 0.25% · 3.875%
HK$15,920
−HK$422/mo
Today · 4.125%
HK$16,342
baseline
▲ 0.50% · 4.625%
HK$17,203
+HK$861/mo
Deposit HK$3.06M · loan HK$3.06M · min. income ≈ HK$32,684/mo (50% DSR)
Upfront cash ≈ HK$3.20M (deposit + AVD stamp duty HK$146,186 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,724
−HK$1,049/mo
▼ 0.25% · 3.875%
HK$17,244
−HK$529/mo
Today · 4.125%
HK$17,773
baseline
▲ 0.50% · 4.625%
HK$18,854
+HK$1,081/mo
Deposit HK$2.44M · loan HK$3.67M · min. income ≈ HK$35,546/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$146,186 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,605
−HK$1,005/mo
▼ 0.25% · 3.875%
HK$19,104
−HK$506/mo
Today · 4.125%
HK$19,610
baseline
▲ 0.50% · 4.625%
HK$20,644
+HK$1,034/mo
Deposit HK$2.44M · loan HK$3.67M · min. income ≈ HK$39,220/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$146,186 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,511
−HK$1,224/mo
▼ 0.25% · 3.875%
HK$20,118
−HK$617/mo
Today · 4.125%
HK$20,735
baseline
▲ 0.50% · 4.625%
HK$21,996
+HK$1,261/mo
Deposit HK$1.83M · loan HK$4.28M · min. income ≈ HK$41,470/mo (50% DSR)
Upfront cash ≈ HK$1.98M (deposit + AVD stamp duty HK$146,186 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,706
−HK$1,173/mo
▼ 0.25% · 3.875%
HK$22,288
−HK$591/mo
Today · 4.125%
HK$22,879
baseline
▲ 0.50% · 4.625%
HK$24,085
+HK$1,206/mo
Deposit HK$1.83M · loan HK$4.28M · min. income ≈ HK$45,758/mo (50% DSR)
Upfront cash ≈ HK$1.98M (deposit + AVD stamp duty HK$146,186 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,086
−HK$1,573/mo
▼ 0.25% · 3.875%
HK$25,866
−HK$793/mo
Today · 4.125%
HK$26,659
baseline
▲ 0.50% · 4.625%
HK$28,281
+HK$1,622/mo
Deposit HK$611K · loan HK$5.50M · min. income ≈ HK$53,318/mo (50% DSR)
Upfront cash ≈ HK$757K (deposit + AVD stamp duty HK$146,186 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,908
−HK$1,508/mo
▼ 0.25% · 3.875%
HK$28,656
−HK$760/mo
Today · 4.125%
HK$29,416
baseline
▲ 0.50% · 4.625%
HK$30,966
+HK$1,550/mo
Deposit HK$611K · loan HK$5.50M · min. income ≈ HK$58,832/mo (50% DSR)
Upfront cash ≈ HK$757K (deposit + AVD stamp duty HK$146,186 · 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).