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$14,030
−HK$880/mo
▼ 0.25% · 3.875%
HK$14,467
−HK$443/mo
Today · 4.125%
HK$14,910
baseline
▲ 0.50% · 4.625%
HK$15,818
+HK$908/mo
Deposit HK$3.08M · loan HK$3.08M · min. income ≈ HK$29,820/mo (50% DSR)
Upfront cash ≈ HK$3.23M (deposit + AVD stamp duty HK$150,303 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,609
−HK$843/mo
▼ 0.25% · 3.875%
HK$16,027
−HK$425/mo
Today · 4.125%
HK$16,452
baseline
▲ 0.50% · 4.625%
HK$17,319
+HK$867/mo
Deposit HK$3.08M · loan HK$3.08M · min. income ≈ HK$32,904/mo (50% DSR)
Upfront cash ≈ HK$3.23M (deposit + AVD stamp duty HK$150,303 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,837
−HK$1,055/mo
▼ 0.25% · 3.875%
HK$17,360
−HK$532/mo
Today · 4.125%
HK$17,892
baseline
▲ 0.50% · 4.625%
HK$18,981
+HK$1,089/mo
Deposit HK$2.46M · loan HK$3.69M · min. income ≈ HK$35,784/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$150,303 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,731
−HK$1,011/mo
▼ 0.25% · 3.875%
HK$19,233
−HK$509/mo
Today · 4.125%
HK$19,742
baseline
▲ 0.50% · 4.625%
HK$20,783
+HK$1,041/mo
Deposit HK$2.46M · loan HK$3.69M · min. income ≈ HK$39,484/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$150,303 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,643
−HK$1,231/mo
▼ 0.25% · 3.875%
HK$20,254
−HK$620/mo
Today · 4.125%
HK$20,874
baseline
▲ 0.50% · 4.625%
HK$22,145
+HK$1,271/mo
Deposit HK$1.85M · loan HK$4.31M · min. income ≈ HK$41,748/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$150,303 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,852
−HK$1,181/mo
▼ 0.25% · 3.875%
HK$22,438
−HK$595/mo
Today · 4.125%
HK$23,033
baseline
▲ 0.50% · 4.625%
HK$24,247
+HK$1,214/mo
Deposit HK$1.85M · loan HK$4.31M · min. income ≈ HK$46,066/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$150,303 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,255
−HK$1,584/mo
▼ 0.25% · 3.875%
HK$26,040
−HK$799/mo
Today · 4.125%
HK$26,839
baseline
▲ 0.50% · 4.625%
HK$28,472
+HK$1,633/mo
Deposit HK$615K · loan HK$5.54M · min. income ≈ HK$53,678/mo (50% DSR)
Upfront cash ≈ HK$766K (deposit + AVD stamp duty HK$150,303 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,096
−HK$1,518/mo
▼ 0.25% · 3.875%
HK$28,849
−HK$765/mo
Today · 4.125%
HK$29,614
baseline
▲ 0.50% · 4.625%
HK$31,175
+HK$1,561/mo
Deposit HK$615K · loan HK$5.54M · min. income ≈ HK$59,228/mo (50% DSR)
Upfront cash ≈ HK$766K (deposit + AVD stamp duty HK$150,303 · 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).