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$13,930
−HK$874/mo
▼ 0.25% · 3.875%
HK$14,364
−HK$440/mo
Today · 4.125%
HK$14,804
baseline
▲ 0.50% · 4.625%
HK$15,705
+HK$901/mo
Deposit HK$3.05M · loan HK$3.05M · min. income ≈ HK$29,608/mo (50% DSR)
Upfront cash ≈ HK$3.20M (deposit + AVD stamp duty HK$145,911 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,497
−HK$838/mo
▼ 0.25% · 3.875%
HK$15,913
−HK$422/mo
Today · 4.125%
HK$16,335
baseline
▲ 0.50% · 4.625%
HK$17,196
+HK$861/mo
Deposit HK$3.05M · loan HK$3.05M · min. income ≈ HK$32,670/mo (50% DSR)
Upfront cash ≈ HK$3.20M (deposit + AVD stamp duty HK$145,911 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,716
−HK$1,049/mo
▼ 0.25% · 3.875%
HK$17,236
−HK$529/mo
Today · 4.125%
HK$17,765
baseline
▲ 0.50% · 4.625%
HK$18,846
+HK$1,081/mo
Deposit HK$2.44M · loan HK$3.67M · min. income ≈ HK$35,530/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$145,911 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,597
−HK$1,005/mo
▼ 0.25% · 3.875%
HK$19,096
−HK$506/mo
Today · 4.125%
HK$19,602
baseline
▲ 0.50% · 4.625%
HK$20,635
+HK$1,033/mo
Deposit HK$2.44M · loan HK$3.67M · min. income ≈ HK$39,204/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$145,911 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,502
−HK$1,223/mo
▼ 0.25% · 3.875%
HK$20,109
−HK$616/mo
Today · 4.125%
HK$20,725
baseline
▲ 0.50% · 4.625%
HK$21,987
+HK$1,262/mo
Deposit HK$1.83M · loan HK$4.28M · min. income ≈ HK$41,450/mo (50% DSR)
Upfront cash ≈ HK$1.98M (deposit + AVD stamp duty HK$145,911 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,696
−HK$1,172/mo
▼ 0.25% · 3.875%
HK$22,278
−HK$590/mo
Today · 4.125%
HK$22,868
baseline
▲ 0.50% · 4.625%
HK$24,074
+HK$1,206/mo
Deposit HK$1.83M · loan HK$4.28M · min. income ≈ HK$45,736/mo (50% DSR)
Upfront cash ≈ HK$1.98M (deposit + AVD stamp duty HK$145,911 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,075
−HK$1,572/mo
▼ 0.25% · 3.875%
HK$25,855
−HK$792/mo
Today · 4.125%
HK$26,647
baseline
▲ 0.50% · 4.625%
HK$28,268
+HK$1,621/mo
Deposit HK$611K · loan HK$5.50M · min. income ≈ HK$53,294/mo (50% DSR)
Upfront cash ≈ HK$757K (deposit + AVD stamp duty HK$145,911 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,895
−HK$1,507/mo
▼ 0.25% · 3.875%
HK$28,643
−HK$759/mo
Today · 4.125%
HK$29,402
baseline
▲ 0.50% · 4.625%
HK$30,952
+HK$1,550/mo
Deposit HK$611K · loan HK$5.50M · min. income ≈ HK$58,804/mo (50% DSR)
Upfront cash ≈ HK$757K (deposit + AVD stamp duty HK$145,911 · 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).