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$14,041
−HK$880/mo
▼ 0.25% · 3.875%
HK$14,477
−HK$444/mo
Today · 4.125%
HK$14,921
baseline
▲ 0.50% · 4.625%
HK$15,829
+HK$908/mo
Deposit HK$3.08M · loan HK$3.08M · min. income ≈ HK$29,842/mo (50% DSR)
Upfront cash ≈ HK$3.23M (deposit + AVD stamp duty HK$150,743 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,620
−HK$844/mo
▼ 0.25% · 3.875%
HK$16,039
−HK$425/mo
Today · 4.125%
HK$16,464
baseline
▲ 0.50% · 4.625%
HK$17,332
+HK$868/mo
Deposit HK$3.08M · loan HK$3.08M · min. income ≈ HK$32,928/mo (50% DSR)
Upfront cash ≈ HK$3.23M (deposit + AVD stamp duty HK$150,743 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,849
−HK$1,056/mo
▼ 0.25% · 3.875%
HK$17,373
−HK$532/mo
Today · 4.125%
HK$17,905
baseline
▲ 0.50% · 4.625%
HK$18,995
+HK$1,090/mo
Deposit HK$2.46M · loan HK$3.69M · min. income ≈ HK$35,810/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$150,743 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,744
−HK$1,013/mo
▼ 0.25% · 3.875%
HK$19,247
−HK$510/mo
Today · 4.125%
HK$19,757
baseline
▲ 0.50% · 4.625%
HK$20,798
+HK$1,041/mo
Deposit HK$2.46M · loan HK$3.69M · min. income ≈ HK$39,514/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$150,743 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,657
−HK$1,232/mo
▼ 0.25% · 3.875%
HK$20,268
−HK$621/mo
Today · 4.125%
HK$20,889
baseline
▲ 0.50% · 4.625%
HK$22,160
+HK$1,271/mo
Deposit HK$1.85M · loan HK$4.31M · min. income ≈ HK$41,778/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$150,743 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,868
−HK$1,181/mo
▼ 0.25% · 3.875%
HK$22,454
−HK$595/mo
Today · 4.125%
HK$23,049
baseline
▲ 0.50% · 4.625%
HK$24,264
+HK$1,215/mo
Deposit HK$1.85M · loan HK$4.31M · min. income ≈ HK$46,098/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$150,743 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,273
−HK$1,585/mo
▼ 0.25% · 3.875%
HK$26,059
−HK$799/mo
Today · 4.125%
HK$26,858
baseline
▲ 0.50% · 4.625%
HK$28,492
+HK$1,634/mo
Deposit HK$616K · loan HK$5.54M · min. income ≈ HK$53,716/mo (50% DSR)
Upfront cash ≈ HK$766K (deposit + AVD stamp duty HK$150,743 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,116
−HK$1,519/mo
▼ 0.25% · 3.875%
HK$28,870
−HK$765/mo
Today · 4.125%
HK$29,635
baseline
▲ 0.50% · 4.625%
HK$31,197
+HK$1,562/mo
Deposit HK$616K · loan HK$5.54M · min. income ≈ HK$59,270/mo (50% DSR)
Upfront cash ≈ HK$766K (deposit + AVD stamp duty HK$150,743 · 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).