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$13,944
−HK$875/mo
▼ 0.25% · 3.875%
HK$14,378
−HK$441/mo
Today · 4.125%
HK$14,819
baseline
▲ 0.50% · 4.625%
HK$15,721
+HK$902/mo
Deposit HK$3.06M · loan HK$3.06M · min. income ≈ HK$29,638/mo (50% DSR)
Upfront cash ≈ HK$3.20M (deposit + AVD stamp duty HK$146,529 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,513
−HK$838/mo
▼ 0.25% · 3.875%
HK$15,929
−HK$422/mo
Today · 4.125%
HK$16,351
baseline
▲ 0.50% · 4.625%
HK$17,213
+HK$862/mo
Deposit HK$3.06M · loan HK$3.06M · min. income ≈ HK$32,702/mo (50% DSR)
Upfront cash ≈ HK$3.20M (deposit + AVD stamp duty HK$146,529 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,733
−HK$1,050/mo
▼ 0.25% · 3.875%
HK$17,254
−HK$529/mo
Today · 4.125%
HK$17,783
baseline
▲ 0.50% · 4.625%
HK$18,865
+HK$1,082/mo
Deposit HK$2.45M · loan HK$3.67M · min. income ≈ HK$35,566/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$146,529 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,616
−HK$1,005/mo
▼ 0.25% · 3.875%
HK$19,115
−HK$506/mo
Today · 4.125%
HK$19,621
baseline
▲ 0.50% · 4.625%
HK$20,656
+HK$1,035/mo
Deposit HK$2.45M · loan HK$3.67M · min. income ≈ HK$39,242/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$146,529 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,522
−HK$1,224/mo
▼ 0.25% · 3.875%
HK$20,129
−HK$617/mo
Today · 4.125%
HK$20,746
baseline
▲ 0.50% · 4.625%
HK$22,009
+HK$1,263/mo
Deposit HK$1.83M · loan HK$4.28M · min. income ≈ HK$41,492/mo (50% DSR)
Upfront cash ≈ HK$1.98M (deposit + AVD stamp duty HK$146,529 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,718
−HK$1,174/mo
▼ 0.25% · 3.875%
HK$22,301
−HK$591/mo
Today · 4.125%
HK$22,892
baseline
▲ 0.50% · 4.625%
HK$24,098
+HK$1,206/mo
Deposit HK$1.83M · loan HK$4.28M · min. income ≈ HK$45,784/mo (50% DSR)
Upfront cash ≈ HK$1.98M (deposit + AVD stamp duty HK$146,529 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,100
−HK$1,574/mo
▼ 0.25% · 3.875%
HK$25,881
−HK$793/mo
Today · 4.125%
HK$26,674
baseline
▲ 0.50% · 4.625%
HK$28,297
+HK$1,623/mo
Deposit HK$612K · loan HK$5.50M · min. income ≈ HK$53,348/mo (50% DSR)
Upfront cash ≈ HK$758K (deposit + AVD stamp duty HK$146,529 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,923
−HK$1,509/mo
▼ 0.25% · 3.875%
HK$28,672
−HK$760/mo
Today · 4.125%
HK$29,432
baseline
▲ 0.50% · 4.625%
HK$30,983
+HK$1,551/mo
Deposit HK$612K · loan HK$5.50M · min. income ≈ HK$58,864/mo (50% DSR)
Upfront cash ≈ HK$758K (deposit + AVD stamp duty HK$146,529 · 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).