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$14,037
−HK$880/mo
▼ 0.25% · 3.875%
HK$14,474
−HK$443/mo
Today · 4.125%
HK$14,917
baseline
▲ 0.50% · 4.625%
HK$15,825
+HK$908/mo
Deposit HK$3.08M · loan HK$3.08M · min. income ≈ HK$29,834/mo (50% DSR)
Upfront cash ≈ HK$3.23M (deposit + AVD stamp duty HK$150,588 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,616
−HK$844/mo
▼ 0.25% · 3.875%
HK$16,035
−HK$425/mo
Today · 4.125%
HK$16,460
baseline
▲ 0.50% · 4.625%
HK$17,327
+HK$867/mo
Deposit HK$3.08M · loan HK$3.08M · min. income ≈ HK$32,920/mo (50% DSR)
Upfront cash ≈ HK$3.23M (deposit + AVD stamp duty HK$150,588 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,844
−HK$1,057/mo
▼ 0.25% · 3.875%
HK$17,368
−HK$533/mo
Today · 4.125%
HK$17,901
baseline
▲ 0.50% · 4.625%
HK$18,990
+HK$1,089/mo
Deposit HK$2.46M · loan HK$3.69M · min. income ≈ HK$35,802/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$150,588 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,739
−HK$1,013/mo
▼ 0.25% · 3.875%
HK$19,242
−HK$510/mo
Today · 4.125%
HK$19,752
baseline
▲ 0.50% · 4.625%
HK$20,793
+HK$1,041/mo
Deposit HK$2.46M · loan HK$3.69M · min. income ≈ HK$39,504/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$150,588 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,652
−HK$1,232/mo
▼ 0.25% · 3.875%
HK$20,263
−HK$621/mo
Today · 4.125%
HK$20,884
baseline
▲ 0.50% · 4.625%
HK$22,155
+HK$1,271/mo
Deposit HK$1.85M · loan HK$4.31M · min. income ≈ HK$41,768/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$150,588 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,862
−HK$1,182/mo
▼ 0.25% · 3.875%
HK$22,449
−HK$595/mo
Today · 4.125%
HK$23,044
baseline
▲ 0.50% · 4.625%
HK$24,258
+HK$1,214/mo
Deposit HK$1.85M · loan HK$4.31M · min. income ≈ HK$46,088/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$150,588 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,267
−HK$1,584/mo
▼ 0.25% · 3.875%
HK$26,053
−HK$798/mo
Today · 4.125%
HK$26,851
baseline
▲ 0.50% · 4.625%
HK$28,485
+HK$1,634/mo
Deposit HK$616K · loan HK$5.54M · min. income ≈ HK$53,702/mo (50% DSR)
Upfront cash ≈ HK$766K (deposit + AVD stamp duty HK$150,588 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,109
−HK$1,518/mo
▼ 0.25% · 3.875%
HK$28,863
−HK$764/mo
Today · 4.125%
HK$29,627
baseline
▲ 0.50% · 4.625%
HK$31,189
+HK$1,562/mo
Deposit HK$616K · loan HK$5.54M · min. income ≈ HK$59,254/mo (50% DSR)
Upfront cash ≈ HK$766K (deposit + AVD stamp duty HK$150,588 · 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).