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$13,932
−HK$874/mo
▼ 0.25% · 3.875%
HK$14,366
−HK$440/mo
Today · 4.125%
HK$14,806
baseline
▲ 0.50% · 4.625%
HK$15,707
+HK$901/mo
Deposit HK$3.06M · loan HK$3.06M · min. income ≈ HK$29,612/mo (50% DSR)
Upfront cash ≈ HK$3.20M (deposit + AVD stamp duty HK$146,001 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,500
−HK$837/mo
▼ 0.25% · 3.875%
HK$15,915
−HK$422/mo
Today · 4.125%
HK$16,337
baseline
▲ 0.50% · 4.625%
HK$17,198
+HK$861/mo
Deposit HK$3.06M · loan HK$3.06M · min. income ≈ HK$32,674/mo (50% DSR)
Upfront cash ≈ HK$3.20M (deposit + AVD stamp duty HK$146,001 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,719
−HK$1,048/mo
▼ 0.25% · 3.875%
HK$17,239
−HK$528/mo
Today · 4.125%
HK$17,767
baseline
▲ 0.50% · 4.625%
HK$18,848
+HK$1,081/mo
Deposit HK$2.44M · loan HK$3.67M · min. income ≈ HK$35,534/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$146,001 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,600
−HK$1,004/mo
▼ 0.25% · 3.875%
HK$19,098
−HK$506/mo
Today · 4.125%
HK$19,604
baseline
▲ 0.50% · 4.625%
HK$20,638
+HK$1,034/mo
Deposit HK$2.44M · loan HK$3.67M · min. income ≈ HK$39,208/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$146,001 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,505
−HK$1,223/mo
▼ 0.25% · 3.875%
HK$20,112
−HK$616/mo
Today · 4.125%
HK$20,728
baseline
▲ 0.50% · 4.625%
HK$21,990
+HK$1,262/mo
Deposit HK$1.83M · loan HK$4.28M · min. income ≈ HK$41,456/mo (50% DSR)
Upfront cash ≈ HK$1.98M (deposit + AVD stamp duty HK$146,001 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,699
−HK$1,173/mo
▼ 0.25% · 3.875%
HK$22,281
−HK$591/mo
Today · 4.125%
HK$22,872
baseline
▲ 0.50% · 4.625%
HK$24,077
+HK$1,205/mo
Deposit HK$1.83M · loan HK$4.28M · min. income ≈ HK$45,744/mo (50% DSR)
Upfront cash ≈ HK$1.98M (deposit + AVD stamp duty HK$146,001 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,078
−HK$1,573/mo
▼ 0.25% · 3.875%
HK$25,858
−HK$793/mo
Today · 4.125%
HK$26,651
baseline
▲ 0.50% · 4.625%
HK$28,273
+HK$1,622/mo
Deposit HK$611K · loan HK$5.50M · min. income ≈ HK$53,302/mo (50% DSR)
Upfront cash ≈ HK$757K (deposit + AVD stamp duty HK$146,001 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,899
−HK$1,508/mo
▼ 0.25% · 3.875%
HK$28,648
−HK$759/mo
Today · 4.125%
HK$29,407
baseline
▲ 0.50% · 4.625%
HK$30,957
+HK$1,550/mo
Deposit HK$611K · loan HK$5.50M · min. income ≈ HK$58,814/mo (50% DSR)
Upfront cash ≈ HK$757K (deposit + AVD stamp duty HK$146,001 · 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).