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$14,473
−HK$444/mo
Today · 4.125%
HK$14,917
baseline
▲ 0.50% · 4.625%
HK$15,824
+HK$907/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$150,571 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,616
−HK$843/mo
▼ 0.25% · 3.875%
HK$16,034
−HK$425/mo
Today · 4.125%
HK$16,459
baseline
▲ 0.50% · 4.625%
HK$17,327
+HK$868/mo
Deposit HK$3.08M · loan HK$3.08M · min. income ≈ HK$32,918/mo (50% DSR)
Upfront cash ≈ HK$3.23M (deposit + AVD stamp duty HK$150,571 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,844
−HK$1,056/mo
▼ 0.25% · 3.875%
HK$17,368
−HK$532/mo
Today · 4.125%
HK$17,900
baseline
▲ 0.50% · 4.625%
HK$18,989
+HK$1,089/mo
Deposit HK$2.46M · loan HK$3.69M · min. income ≈ HK$35,800/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$150,571 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,739
−HK$1,012/mo
▼ 0.25% · 3.875%
HK$19,241
−HK$510/mo
Today · 4.125%
HK$19,751
baseline
▲ 0.50% · 4.625%
HK$20,792
+HK$1,041/mo
Deposit HK$2.46M · loan HK$3.69M · min. income ≈ HK$39,502/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$150,571 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,651
−HK$1,233/mo
▼ 0.25% · 3.875%
HK$20,262
−HK$622/mo
Today · 4.125%
HK$20,884
baseline
▲ 0.50% · 4.625%
HK$22,154
+HK$1,270/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$150,571 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,862
−HK$1,181/mo
▼ 0.25% · 3.875%
HK$22,448
−HK$595/mo
Today · 4.125%
HK$23,043
baseline
▲ 0.50% · 4.625%
HK$24,258
+HK$1,215/mo
Deposit HK$1.85M · loan HK$4.31M · min. income ≈ HK$46,086/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$150,571 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,266
−HK$1,584/mo
▼ 0.25% · 3.875%
HK$26,052
−HK$798/mo
Today · 4.125%
HK$26,850
baseline
▲ 0.50% · 4.625%
HK$28,484
+HK$1,634/mo
Deposit HK$616K · loan HK$5.54M · min. income ≈ HK$53,700/mo (50% DSR)
Upfront cash ≈ HK$766K (deposit + AVD stamp duty HK$150,571 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,108
−HK$1,519/mo
▼ 0.25% · 3.875%
HK$28,862
−HK$765/mo
Today · 4.125%
HK$29,627
baseline
▲ 0.50% · 4.625%
HK$31,188
+HK$1,561/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$150,571 · 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).