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$13,930
−HK$873/mo
▼ 0.25% · 3.875%
HK$14,363
−HK$440/mo
Today · 4.125%
HK$14,803
baseline
▲ 0.50% · 4.625%
HK$15,704
+HK$901/mo
Deposit HK$3.05M · loan HK$3.05M · min. income ≈ HK$29,606/mo (50% DSR)
Upfront cash ≈ HK$3.20M (deposit + AVD stamp duty HK$145,884 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,497
−HK$837/mo
▼ 0.25% · 3.875%
HK$15,912
−HK$422/mo
Today · 4.125%
HK$16,334
baseline
▲ 0.50% · 4.625%
HK$17,195
+HK$861/mo
Deposit HK$3.05M · loan HK$3.05M · min. income ≈ HK$32,668/mo (50% DSR)
Upfront cash ≈ HK$3.20M (deposit + AVD stamp duty HK$145,884 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,716
−HK$1,048/mo
▼ 0.25% · 3.875%
HK$17,236
−HK$528/mo
Today · 4.125%
HK$17,764
baseline
▲ 0.50% · 4.625%
HK$18,845
+HK$1,081/mo
Deposit HK$2.44M · loan HK$3.67M · min. income ≈ HK$35,528/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$145,884 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,596
−HK$1,005/mo
▼ 0.25% · 3.875%
HK$19,095
−HK$506/mo
Today · 4.125%
HK$19,601
baseline
▲ 0.50% · 4.625%
HK$20,634
+HK$1,033/mo
Deposit HK$2.44M · loan HK$3.67M · min. income ≈ HK$39,202/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$145,884 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,502
−HK$1,223/mo
▼ 0.25% · 3.875%
HK$20,108
−HK$617/mo
Today · 4.125%
HK$20,725
baseline
▲ 0.50% · 4.625%
HK$21,986
+HK$1,261/mo
Deposit HK$1.83M · loan HK$4.28M · min. income ≈ HK$41,450/mo (50% DSR)
Upfront cash ≈ HK$1.98M (deposit + AVD stamp duty HK$145,884 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,695
−HK$1,172/mo
▼ 0.25% · 3.875%
HK$22,277
−HK$590/mo
Today · 4.125%
HK$22,867
baseline
▲ 0.50% · 4.625%
HK$24,073
+HK$1,206/mo
Deposit HK$1.83M · loan HK$4.28M · min. income ≈ HK$45,734/mo (50% DSR)
Upfront cash ≈ HK$1.98M (deposit + AVD stamp duty HK$145,884 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,073
−HK$1,573/mo
▼ 0.25% · 3.875%
HK$25,853
−HK$793/mo
Today · 4.125%
HK$26,646
baseline
▲ 0.50% · 4.625%
HK$28,267
+HK$1,621/mo
Deposit HK$611K · loan HK$5.50M · min. income ≈ HK$53,292/mo (50% DSR)
Upfront cash ≈ HK$757K (deposit + AVD stamp duty HK$145,884 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,894
−HK$1,507/mo
▼ 0.25% · 3.875%
HK$28,642
−HK$759/mo
Today · 4.125%
HK$29,401
baseline
▲ 0.50% · 4.625%
HK$30,951
+HK$1,550/mo
Deposit HK$611K · loan HK$5.50M · min. income ≈ HK$58,802/mo (50% DSR)
Upfront cash ≈ HK$757K (deposit + AVD stamp duty HK$145,884 · 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).