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$875/mo
▼ 0.25% · 3.875%
HK$14,375
−HK$441/mo
Today · 4.125%
HK$14,816
baseline
▲ 0.50% · 4.625%
HK$15,717
+HK$901/mo
Deposit HK$3.06M · loan HK$3.06M · min. income ≈ HK$29,632/mo (50% DSR)
Upfront cash ≈ HK$3.20M (deposit + AVD stamp duty HK$146,399 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,510
−HK$838/mo
▼ 0.25% · 3.875%
HK$15,926
−HK$422/mo
Today · 4.125%
HK$16,348
baseline
▲ 0.50% · 4.625%
HK$17,209
+HK$861/mo
Deposit HK$3.06M · loan HK$3.06M · min. income ≈ HK$32,696/mo (50% DSR)
Upfront cash ≈ HK$3.20M (deposit + AVD stamp duty HK$146,399 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,730
−HK$1,049/mo
▼ 0.25% · 3.875%
HK$17,250
−HK$529/mo
Today · 4.125%
HK$17,779
baseline
▲ 0.50% · 4.625%
HK$18,861
+HK$1,082/mo
Deposit HK$2.45M · loan HK$3.67M · min. income ≈ HK$35,558/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$146,399 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,612
−HK$1,005/mo
▼ 0.25% · 3.875%
HK$19,111
−HK$506/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$146,399 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,518
−HK$1,224/mo
▼ 0.25% · 3.875%
HK$20,125
−HK$617/mo
Today · 4.125%
HK$20,742
baseline
▲ 0.50% · 4.625%
HK$22,004
+HK$1,262/mo
Deposit HK$1.83M · loan HK$4.28M · min. income ≈ HK$41,484/mo (50% DSR)
Upfront cash ≈ HK$1.98M (deposit + AVD stamp duty HK$146,399 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,714
−HK$1,173/mo
▼ 0.25% · 3.875%
HK$22,296
−HK$591/mo
Today · 4.125%
HK$22,887
baseline
▲ 0.50% · 4.625%
HK$24,093
+HK$1,206/mo
Deposit HK$1.83M · loan HK$4.28M · min. income ≈ HK$45,774/mo (50% DSR)
Upfront cash ≈ HK$1.98M (deposit + AVD stamp duty HK$146,399 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,095
−HK$1,573/mo
▼ 0.25% · 3.875%
HK$25,875
−HK$793/mo
Today · 4.125%
HK$26,668
baseline
▲ 0.50% · 4.625%
HK$28,291
+HK$1,623/mo
Deposit HK$611K · loan HK$5.50M · min. income ≈ HK$53,336/mo (50% DSR)
Upfront cash ≈ HK$758K (deposit + AVD stamp duty HK$146,399 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,918
−HK$1,508/mo
▼ 0.25% · 3.875%
HK$28,666
−HK$760/mo
Today · 4.125%
HK$29,426
baseline
▲ 0.50% · 4.625%
HK$30,977
+HK$1,551/mo
Deposit HK$611K · loan HK$5.50M · min. income ≈ HK$58,852/mo (50% DSR)
Upfront cash ≈ HK$758K (deposit + AVD stamp duty HK$146,399 · 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).