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$13,942
−HK$874/mo
▼ 0.25% · 3.875%
HK$14,376
−HK$440/mo
Today · 4.125%
HK$14,816
baseline
▲ 0.50% · 4.625%
HK$15,718
+HK$902/mo
Deposit HK$3.06M · loan HK$3.06M · min. income ≈ HK$29,632/mo (50% DSR)
Upfront cash ≈ HK$3.20M (deposit + AVD stamp duty HK$146,431 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,511
−HK$838/mo
▼ 0.25% · 3.875%
HK$15,927
−HK$422/mo
Today · 4.125%
HK$16,349
baseline
▲ 0.50% · 4.625%
HK$17,210
+HK$861/mo
Deposit HK$3.06M · loan HK$3.06M · min. income ≈ HK$32,698/mo (50% DSR)
Upfront cash ≈ HK$3.20M (deposit + AVD stamp duty HK$146,431 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,731
−HK$1,049/mo
▼ 0.25% · 3.875%
HK$17,251
−HK$529/mo
Today · 4.125%
HK$17,780
baseline
▲ 0.50% · 4.625%
HK$18,862
+HK$1,082/mo
Deposit HK$2.45M · loan HK$3.67M · min. income ≈ HK$35,560/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$146,431 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,613
−HK$1,005/mo
▼ 0.25% · 3.875%
HK$19,112
−HK$506/mo
Today · 4.125%
HK$19,618
baseline
▲ 0.50% · 4.625%
HK$20,652
+HK$1,034/mo
Deposit HK$2.45M · loan HK$3.67M · min. income ≈ HK$39,236/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$146,431 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,519
−HK$1,224/mo
▼ 0.25% · 3.875%
HK$20,126
−HK$617/mo
Today · 4.125%
HK$20,743
baseline
▲ 0.50% · 4.625%
HK$22,005
+HK$1,262/mo
Deposit HK$1.83M · loan HK$4.28M · min. income ≈ HK$41,486/mo (50% DSR)
Upfront cash ≈ HK$1.98M (deposit + AVD stamp duty HK$146,431 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,715
−HK$1,173/mo
▼ 0.25% · 3.875%
HK$22,297
−HK$591/mo
Today · 4.125%
HK$22,888
baseline
▲ 0.50% · 4.625%
HK$24,094
+HK$1,206/mo
Deposit HK$1.83M · loan HK$4.28M · min. income ≈ HK$45,776/mo (50% DSR)
Upfront cash ≈ HK$1.98M (deposit + AVD stamp duty HK$146,431 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,096
−HK$1,574/mo
▼ 0.25% · 3.875%
HK$25,877
−HK$793/mo
Today · 4.125%
HK$26,670
baseline
▲ 0.50% · 4.625%
HK$28,292
+HK$1,622/mo
Deposit HK$611K · loan HK$5.50M · min. income ≈ HK$53,340/mo (50% DSR)
Upfront cash ≈ HK$758K (deposit + AVD stamp duty HK$146,431 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,919
−HK$1,508/mo
▼ 0.25% · 3.875%
HK$28,668
−HK$759/mo
Today · 4.125%
HK$29,427
baseline
▲ 0.50% · 4.625%
HK$30,978
+HK$1,551/mo
Deposit HK$611K · loan HK$5.50M · min. income ≈ HK$58,854/mo (50% DSR)
Upfront cash ≈ HK$758K (deposit + AVD stamp duty HK$146,431 · 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).