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$14,043
−HK$881/mo
▼ 0.25% · 3.875%
HK$14,480
−HK$444/mo
Today · 4.125%
HK$14,924
baseline
▲ 0.50% · 4.625%
HK$15,832
+HK$908/mo
Deposit HK$3.08M · loan HK$3.08M · min. income ≈ HK$29,848/mo (50% DSR)
Upfront cash ≈ HK$3.23M (deposit + AVD stamp duty HK$150,849 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,623
−HK$844/mo
▼ 0.25% · 3.875%
HK$16,042
−HK$425/mo
Today · 4.125%
HK$16,467
baseline
▲ 0.50% · 4.625%
HK$17,335
+HK$868/mo
Deposit HK$3.08M · loan HK$3.08M · min. income ≈ HK$32,934/mo (50% DSR)
Upfront cash ≈ HK$3.23M (deposit + AVD stamp duty HK$150,849 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,852
−HK$1,056/mo
▼ 0.25% · 3.875%
HK$17,376
−HK$532/mo
Today · 4.125%
HK$17,908
baseline
▲ 0.50% · 4.625%
HK$18,998
+HK$1,090/mo
Deposit HK$2.46M · loan HK$3.70M · min. income ≈ HK$35,816/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$150,849 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,747
−HK$1,013/mo
▼ 0.25% · 3.875%
HK$19,250
−HK$510/mo
Today · 4.125%
HK$19,760
baseline
▲ 0.50% · 4.625%
HK$20,802
+HK$1,042/mo
Deposit HK$2.46M · loan HK$3.70M · min. income ≈ HK$39,520/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$150,849 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,660
−HK$1,233/mo
▼ 0.25% · 3.875%
HK$20,272
−HK$621/mo
Today · 4.125%
HK$20,893
baseline
▲ 0.50% · 4.625%
HK$22,164
+HK$1,271/mo
Deposit HK$1.85M · loan HK$4.31M · min. income ≈ HK$41,786/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$150,849 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,872
−HK$1,181/mo
▼ 0.25% · 3.875%
HK$22,458
−HK$595/mo
Today · 4.125%
HK$23,053
baseline
▲ 0.50% · 4.625%
HK$24,268
+HK$1,215/mo
Deposit HK$1.85M · loan HK$4.31M · min. income ≈ HK$46,106/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$150,849 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,277
−HK$1,585/mo
▼ 0.25% · 3.875%
HK$26,064
−HK$798/mo
Today · 4.125%
HK$26,862
baseline
▲ 0.50% · 4.625%
HK$28,497
+HK$1,635/mo
Deposit HK$616K · loan HK$5.54M · min. income ≈ HK$53,724/mo (50% DSR)
Upfront cash ≈ HK$767K (deposit + AVD stamp duty HK$150,849 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,121
−HK$1,519/mo
▼ 0.25% · 3.875%
HK$28,875
−HK$765/mo
Today · 4.125%
HK$29,640
baseline
▲ 0.50% · 4.625%
HK$31,202
+HK$1,562/mo
Deposit HK$616K · loan HK$5.54M · min. income ≈ HK$59,280/mo (50% DSR)
Upfront cash ≈ HK$767K (deposit + AVD stamp duty HK$150,849 · 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).