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$14,034
−HK$880/mo
▼ 0.25% · 3.875%
HK$14,471
−HK$443/mo
Today · 4.125%
HK$14,914
baseline
▲ 0.50% · 4.625%
HK$15,822
+HK$908/mo
Deposit HK$3.08M · loan HK$3.08M · min. income ≈ HK$29,828/mo (50% DSR)
Upfront cash ≈ HK$3.23M (deposit + AVD stamp duty HK$150,459 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,613
−HK$843/mo
▼ 0.25% · 3.875%
HK$16,031
−HK$425/mo
Today · 4.125%
HK$16,456
baseline
▲ 0.50% · 4.625%
HK$17,324
+HK$868/mo
Deposit HK$3.08M · loan HK$3.08M · min. income ≈ HK$32,912/mo (50% DSR)
Upfront cash ≈ HK$3.23M (deposit + AVD stamp duty HK$150,459 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,841
−HK$1,056/mo
▼ 0.25% · 3.875%
HK$17,365
−HK$532/mo
Today · 4.125%
HK$17,897
baseline
▲ 0.50% · 4.625%
HK$18,986
+HK$1,089/mo
Deposit HK$2.46M · loan HK$3.69M · min. income ≈ HK$35,794/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$150,459 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,735
−HK$1,012/mo
▼ 0.25% · 3.875%
HK$19,238
−HK$509/mo
Today · 4.125%
HK$19,747
baseline
▲ 0.50% · 4.625%
HK$20,788
+HK$1,041/mo
Deposit HK$2.46M · loan HK$3.69M · min. income ≈ HK$39,494/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$150,459 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,648
−HK$1,232/mo
▼ 0.25% · 3.875%
HK$20,259
−HK$621/mo
Today · 4.125%
HK$20,880
baseline
▲ 0.50% · 4.625%
HK$22,150
+HK$1,270/mo
Deposit HK$1.85M · loan HK$4.31M · min. income ≈ HK$41,760/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$150,459 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,858
−HK$1,181/mo
▼ 0.25% · 3.875%
HK$22,444
−HK$595/mo
Today · 4.125%
HK$23,039
baseline
▲ 0.50% · 4.625%
HK$24,253
+HK$1,214/mo
Deposit HK$1.85M · loan HK$4.31M · min. income ≈ HK$46,078/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$150,459 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,261
−HK$1,584/mo
▼ 0.25% · 3.875%
HK$26,047
−HK$798/mo
Today · 4.125%
HK$26,845
baseline
▲ 0.50% · 4.625%
HK$28,479
+HK$1,634/mo
Deposit HK$615K · loan HK$5.54M · min. income ≈ HK$53,690/mo (50% DSR)
Upfront cash ≈ HK$766K (deposit + AVD stamp duty HK$150,459 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,103
−HK$1,518/mo
▼ 0.25% · 3.875%
HK$28,857
−HK$764/mo
Today · 4.125%
HK$29,621
baseline
▲ 0.50% · 4.625%
HK$31,183
+HK$1,562/mo
Deposit HK$615K · loan HK$5.54M · min. income ≈ HK$59,242/mo (50% DSR)
Upfront cash ≈ HK$766K (deposit + AVD stamp duty HK$150,459 · 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).