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$14,033
−HK$880/mo
▼ 0.25% · 3.875%
HK$14,469
−HK$444/mo
Today · 4.125%
HK$14,913
baseline
▲ 0.50% · 4.625%
HK$15,820
+HK$907/mo
Deposit HK$3.08M · loan HK$3.08M · min. income ≈ HK$29,826/mo (50% DSR)
Upfront cash ≈ HK$3.23M (deposit + AVD stamp duty HK$150,396 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,611
−HK$844/mo
▼ 0.25% · 3.875%
HK$16,030
−HK$425/mo
Today · 4.125%
HK$16,455
baseline
▲ 0.50% · 4.625%
HK$17,322
+HK$867/mo
Deposit HK$3.08M · loan HK$3.08M · min. income ≈ HK$32,910/mo (50% DSR)
Upfront cash ≈ HK$3.23M (deposit + AVD stamp duty HK$150,396 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,839
−HK$1,056/mo
▼ 0.25% · 3.875%
HK$17,363
−HK$532/mo
Today · 4.125%
HK$17,895
baseline
▲ 0.50% · 4.625%
HK$18,984
+HK$1,089/mo
Deposit HK$2.46M · loan HK$3.69M · min. income ≈ HK$35,790/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$150,396 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,733
−HK$1,012/mo
▼ 0.25% · 3.875%
HK$19,236
−HK$509/mo
Today · 4.125%
HK$19,745
baseline
▲ 0.50% · 4.625%
HK$20,786
+HK$1,041/mo
Deposit HK$2.46M · loan HK$3.69M · min. income ≈ HK$39,490/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$150,396 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,646
−HK$1,232/mo
▼ 0.25% · 3.875%
HK$20,257
−HK$621/mo
Today · 4.125%
HK$20,878
baseline
▲ 0.50% · 4.625%
HK$22,148
+HK$1,270/mo
Deposit HK$1.85M · loan HK$4.31M · min. income ≈ HK$41,756/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$150,396 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,856
−HK$1,180/mo
▼ 0.25% · 3.875%
HK$22,442
−HK$594/mo
Today · 4.125%
HK$23,036
baseline
▲ 0.50% · 4.625%
HK$24,251
+HK$1,215/mo
Deposit HK$1.85M · loan HK$4.31M · min. income ≈ HK$46,072/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$150,396 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,259
−HK$1,584/mo
▼ 0.25% · 3.875%
HK$26,044
−HK$799/mo
Today · 4.125%
HK$26,843
baseline
▲ 0.50% · 4.625%
HK$28,476
+HK$1,633/mo
Deposit HK$615K · loan HK$5.54M · min. income ≈ HK$53,686/mo (50% DSR)
Upfront cash ≈ HK$766K (deposit + AVD stamp duty HK$150,396 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,100
−HK$1,518/mo
▼ 0.25% · 3.875%
HK$28,854
−HK$764/mo
Today · 4.125%
HK$29,618
baseline
▲ 0.50% · 4.625%
HK$31,179
+HK$1,561/mo
Deposit HK$615K · loan HK$5.54M · min. income ≈ HK$59,236/mo (50% DSR)
Upfront cash ≈ HK$766K (deposit + AVD stamp duty HK$150,396 · 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).