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$13,941
−HK$874/mo
▼ 0.25% · 3.875%
HK$14,375
−HK$440/mo
Today · 4.125%
HK$14,815
baseline
▲ 0.50% · 4.625%
HK$15,717
+HK$902/mo
Deposit HK$3.06M · loan HK$3.06M · min. income ≈ HK$29,630/mo (50% DSR)
Upfront cash ≈ HK$3.20M (deposit + AVD stamp duty HK$146,380 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,509
−HK$838/mo
▼ 0.25% · 3.875%
HK$15,925
−HK$422/mo
Today · 4.125%
HK$16,347
baseline
▲ 0.50% · 4.625%
HK$17,209
+HK$862/mo
Deposit HK$3.06M · loan HK$3.06M · min. income ≈ HK$32,694/mo (50% DSR)
Upfront cash ≈ HK$3.20M (deposit + AVD stamp duty HK$146,380 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,729
−HK$1,049/mo
▼ 0.25% · 3.875%
HK$17,250
−HK$528/mo
Today · 4.125%
HK$17,778
baseline
▲ 0.50% · 4.625%
HK$18,860
+HK$1,082/mo
Deposit HK$2.45M · loan HK$3.67M · min. income ≈ HK$35,556/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$146,380 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,611
−HK$1,006/mo
▼ 0.25% · 3.875%
HK$19,110
−HK$507/mo
Today · 4.125%
HK$19,617
baseline
▲ 0.50% · 4.625%
HK$20,651
+HK$1,034/mo
Deposit HK$2.45M · loan HK$3.67M · min. income ≈ HK$39,234/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$146,380 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,517
−HK$1,224/mo
▼ 0.25% · 3.875%
HK$20,125
−HK$616/mo
Today · 4.125%
HK$20,741
baseline
▲ 0.50% · 4.625%
HK$22,003
+HK$1,262/mo
Deposit HK$1.83M · loan HK$4.28M · min. income ≈ HK$41,482/mo (50% DSR)
Upfront cash ≈ HK$1.98M (deposit + AVD stamp duty HK$146,380 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,713
−HK$1,173/mo
▼ 0.25% · 3.875%
HK$22,295
−HK$591/mo
Today · 4.125%
HK$22,886
baseline
▲ 0.50% · 4.625%
HK$24,092
+HK$1,206/mo
Deposit HK$1.83M · loan HK$4.28M · min. income ≈ HK$45,772/mo (50% DSR)
Upfront cash ≈ HK$1.98M (deposit + AVD stamp duty HK$146,380 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,094
−HK$1,573/mo
▼ 0.25% · 3.875%
HK$25,874
−HK$793/mo
Today · 4.125%
HK$26,667
baseline
▲ 0.50% · 4.625%
HK$28,290
+HK$1,623/mo
Deposit HK$611K · loan HK$5.50M · min. income ≈ HK$53,334/mo (50% DSR)
Upfront cash ≈ HK$758K (deposit + AVD stamp duty HK$146,380 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,917
−HK$1,508/mo
▼ 0.25% · 3.875%
HK$28,665
−HK$760/mo
Today · 4.125%
HK$29,425
baseline
▲ 0.50% · 4.625%
HK$30,976
+HK$1,551/mo
Deposit HK$611K · loan HK$5.50M · min. income ≈ HK$58,850/mo (50% DSR)
Upfront cash ≈ HK$758K (deposit + AVD stamp duty HK$146,380 · 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).