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$14,045
−HK$880/mo
▼ 0.25% · 3.875%
HK$14,481
−HK$444/mo
Today · 4.125%
HK$14,925
baseline
▲ 0.50% · 4.625%
HK$15,833
+HK$908/mo
Deposit HK$3.08M · loan HK$3.08M · min. income ≈ HK$29,850/mo (50% DSR)
Upfront cash ≈ HK$3.23M (deposit + AVD stamp duty HK$150,918 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,624
−HK$845/mo
▼ 0.25% · 3.875%
HK$16,043
−HK$426/mo
Today · 4.125%
HK$16,469
baseline
▲ 0.50% · 4.625%
HK$17,337
+HK$868/mo
Deposit HK$3.08M · loan HK$3.08M · min. income ≈ HK$32,938/mo (50% DSR)
Upfront cash ≈ HK$3.23M (deposit + AVD stamp duty HK$150,918 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,853
−HK$1,057/mo
▼ 0.25% · 3.875%
HK$17,378
−HK$532/mo
Today · 4.125%
HK$17,910
baseline
▲ 0.50% · 4.625%
HK$19,000
+HK$1,090/mo
Deposit HK$2.46M · loan HK$3.70M · min. income ≈ HK$35,820/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$150,918 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,749
−HK$1,013/mo
▼ 0.25% · 3.875%
HK$19,252
−HK$510/mo
Today · 4.125%
HK$19,762
baseline
▲ 0.50% · 4.625%
HK$20,804
+HK$1,042/mo
Deposit HK$2.46M · loan HK$3.70M · min. income ≈ HK$39,524/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$150,918 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,662
−HK$1,233/mo
▼ 0.25% · 3.875%
HK$20,274
−HK$621/mo
Today · 4.125%
HK$20,895
baseline
▲ 0.50% · 4.625%
HK$22,167
+HK$1,272/mo
Deposit HK$1.85M · loan HK$4.31M · min. income ≈ HK$41,790/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$150,918 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,874
−HK$1,182/mo
▼ 0.25% · 3.875%
HK$22,461
−HK$595/mo
Today · 4.125%
HK$23,056
baseline
▲ 0.50% · 4.625%
HK$24,271
+HK$1,215/mo
Deposit HK$1.85M · loan HK$4.31M · min. income ≈ HK$46,112/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$150,918 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,280
−HK$1,585/mo
▼ 0.25% · 3.875%
HK$26,066
−HK$799/mo
Today · 4.125%
HK$26,865
baseline
▲ 0.50% · 4.625%
HK$28,500
+HK$1,635/mo
Deposit HK$616K · loan HK$5.54M · min. income ≈ HK$53,730/mo (50% DSR)
Upfront cash ≈ HK$767K (deposit + AVD stamp duty HK$150,918 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,124
−HK$1,519/mo
▼ 0.25% · 3.875%
HK$28,878
−HK$765/mo
Today · 4.125%
HK$29,643
baseline
▲ 0.50% · 4.625%
HK$31,206
+HK$1,563/mo
Deposit HK$616K · loan HK$5.54M · min. income ≈ HK$59,286/mo (50% DSR)
Upfront cash ≈ HK$767K (deposit + AVD stamp duty HK$150,918 · 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).