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$14,046
−HK$881/mo
▼ 0.25% · 3.875%
HK$14,483
−HK$444/mo
Today · 4.125%
HK$14,927
baseline
▲ 0.50% · 4.625%
HK$15,835
+HK$908/mo
Deposit HK$3.08M · loan HK$3.08M · min. income ≈ HK$29,854/mo (50% DSR)
Upfront cash ≈ HK$3.23M (deposit + AVD stamp duty HK$150,978 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,626
−HK$844/mo
▼ 0.25% · 3.875%
HK$16,045
−HK$425/mo
Today · 4.125%
HK$16,470
baseline
▲ 0.50% · 4.625%
HK$17,338
+HK$868/mo
Deposit HK$3.08M · loan HK$3.08M · min. income ≈ HK$32,940/mo (50% DSR)
Upfront cash ≈ HK$3.23M (deposit + AVD stamp duty HK$150,978 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,855
−HK$1,057/mo
▼ 0.25% · 3.875%
HK$17,379
−HK$533/mo
Today · 4.125%
HK$17,912
baseline
▲ 0.50% · 4.625%
HK$19,002
+HK$1,090/mo
Deposit HK$2.46M · loan HK$3.70M · min. income ≈ HK$35,824/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$150,978 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,751
−HK$1,013/mo
▼ 0.25% · 3.875%
HK$19,254
−HK$510/mo
Today · 4.125%
HK$19,764
baseline
▲ 0.50% · 4.625%
HK$20,806
+HK$1,042/mo
Deposit HK$2.46M · loan HK$3.70M · min. income ≈ HK$39,528/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$150,978 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,664
−HK$1,233/mo
▼ 0.25% · 3.875%
HK$20,276
−HK$621/mo
Today · 4.125%
HK$20,897
baseline
▲ 0.50% · 4.625%
HK$22,169
+HK$1,272/mo
Deposit HK$1.85M · loan HK$4.31M · min. income ≈ HK$41,794/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$150,978 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,876
−HK$1,182/mo
▼ 0.25% · 3.875%
HK$22,463
−HK$595/mo
Today · 4.125%
HK$23,058
baseline
▲ 0.50% · 4.625%
HK$24,274
+HK$1,216/mo
Deposit HK$1.85M · loan HK$4.31M · min. income ≈ HK$46,116/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$150,978 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,283
−HK$1,585/mo
▼ 0.25% · 3.875%
HK$26,069
−HK$799/mo
Today · 4.125%
HK$26,868
baseline
▲ 0.50% · 4.625%
HK$28,503
+HK$1,635/mo
Deposit HK$616K · loan HK$5.54M · min. income ≈ HK$53,736/mo (50% DSR)
Upfront cash ≈ HK$767K (deposit + AVD stamp duty HK$150,978 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,127
−HK$1,519/mo
▼ 0.25% · 3.875%
HK$28,881
−HK$765/mo
Today · 4.125%
HK$29,646
baseline
▲ 0.50% · 4.625%
HK$31,209
+HK$1,563/mo
Deposit HK$616K · loan HK$5.54M · min. income ≈ HK$59,292/mo (50% DSR)
Upfront cash ≈ HK$767K (deposit + AVD stamp duty HK$150,978 · 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).