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$13,935
−HK$874/mo
▼ 0.25% · 3.875%
HK$14,369
−HK$440/mo
Today · 4.125%
HK$14,809
baseline
▲ 0.50% · 4.625%
HK$15,710
+HK$901/mo
Deposit HK$3.06M · loan HK$3.06M · min. income ≈ HK$29,618/mo (50% DSR)
Upfront cash ≈ HK$3.20M (deposit + AVD stamp duty HK$146,124 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,503
−HK$837/mo
▼ 0.25% · 3.875%
HK$15,919
−HK$421/mo
Today · 4.125%
HK$16,340
baseline
▲ 0.50% · 4.625%
HK$17,202
+HK$862/mo
Deposit HK$3.06M · loan HK$3.06M · min. income ≈ HK$32,680/mo (50% DSR)
Upfront cash ≈ HK$3.20M (deposit + AVD stamp duty HK$146,124 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,722
−HK$1,049/mo
▼ 0.25% · 3.875%
HK$17,242
−HK$529/mo
Today · 4.125%
HK$17,771
baseline
▲ 0.50% · 4.625%
HK$18,852
+HK$1,081/mo
Deposit HK$2.44M · loan HK$3.67M · min. income ≈ HK$35,542/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$146,124 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,603
−HK$1,005/mo
▼ 0.25% · 3.875%
HK$19,102
−HK$506/mo
Today · 4.125%
HK$19,608
baseline
▲ 0.50% · 4.625%
HK$20,642
+HK$1,034/mo
Deposit HK$2.44M · loan HK$3.67M · min. income ≈ HK$39,216/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$146,124 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,509
−HK$1,224/mo
▼ 0.25% · 3.875%
HK$20,116
−HK$617/mo
Today · 4.125%
HK$20,733
baseline
▲ 0.50% · 4.625%
HK$21,994
+HK$1,261/mo
Deposit HK$1.83M · loan HK$4.28M · min. income ≈ HK$41,466/mo (50% DSR)
Upfront cash ≈ HK$1.98M (deposit + AVD stamp duty HK$146,124 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,704
−HK$1,172/mo
▼ 0.25% · 3.875%
HK$22,286
−HK$590/mo
Today · 4.125%
HK$22,876
baseline
▲ 0.50% · 4.625%
HK$24,082
+HK$1,206/mo
Deposit HK$1.83M · loan HK$4.28M · min. income ≈ HK$45,752/mo (50% DSR)
Upfront cash ≈ HK$1.98M (deposit + AVD stamp duty HK$146,124 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,083
−HK$1,573/mo
▼ 0.25% · 3.875%
HK$25,864
−HK$792/mo
Today · 4.125%
HK$26,656
baseline
▲ 0.50% · 4.625%
HK$28,278
+HK$1,622/mo
Deposit HK$611K · loan HK$5.50M · min. income ≈ HK$53,312/mo (50% DSR)
Upfront cash ≈ HK$757K (deposit + AVD stamp duty HK$146,124 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,905
−HK$1,508/mo
▼ 0.25% · 3.875%
HK$28,653
−HK$760/mo
Today · 4.125%
HK$29,413
baseline
▲ 0.50% · 4.625%
HK$30,963
+HK$1,550/mo
Deposit HK$611K · loan HK$5.50M · min. income ≈ HK$58,826/mo (50% DSR)
Upfront cash ≈ HK$757K (deposit + AVD stamp duty HK$146,124 · 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).