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$880/mo
▼ 0.25% · 3.875%
HK$14,482
−HK$444/mo
Today · 4.125%
HK$14,926
baseline
▲ 0.50% · 4.625%
HK$15,835
+HK$909/mo
Deposit HK$3.08M · loan HK$3.08M · min. income ≈ HK$29,852/mo (50% DSR)
Upfront cash ≈ HK$3.23M (deposit + AVD stamp duty HK$150,963 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,625
−HK$845/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$150,963 · 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$19,001
+HK$1,089/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$150,963 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,751
−HK$1,013/mo
▼ 0.25% · 3.875%
HK$19,253
−HK$511/mo
Today · 4.125%
HK$19,764
baseline
▲ 0.50% · 4.625%
HK$20,805
+HK$1,041/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$150,963 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,664
−HK$1,233/mo
▼ 0.25% · 3.875%
HK$20,275
−HK$622/mo
Today · 4.125%
HK$20,897
baseline
▲ 0.50% · 4.625%
HK$22,168
+HK$1,271/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$150,963 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,876
−HK$1,182/mo
▼ 0.25% · 3.875%
HK$22,462
−HK$596/mo
Today · 4.125%
HK$23,058
baseline
▲ 0.50% · 4.625%
HK$24,273
+HK$1,215/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$150,963 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,282
−HK$1,585/mo
▼ 0.25% · 3.875%
HK$26,068
−HK$799/mo
Today · 4.125%
HK$26,867
baseline
▲ 0.50% · 4.625%
HK$28,502
+HK$1,635/mo
Deposit HK$616K · loan HK$5.54M · min. income ≈ HK$53,734/mo (50% DSR)
Upfront cash ≈ HK$767K (deposit + AVD stamp duty HK$150,963 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,126
−HK$1,519/mo
▼ 0.25% · 3.875%
HK$28,880
−HK$765/mo
Today · 4.125%
HK$29,645
baseline
▲ 0.50% · 4.625%
HK$31,208
+HK$1,563/mo
Deposit HK$616K · loan HK$5.54M · min. income ≈ HK$59,290/mo (50% DSR)
Upfront cash ≈ HK$767K (deposit + AVD stamp duty HK$150,963 · 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).