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$14,042
−HK$880/mo
▼ 0.25% · 3.875%
HK$14,478
−HK$444/mo
Today · 4.125%
HK$14,922
baseline
▲ 0.50% · 4.625%
HK$15,830
+HK$908/mo
Deposit HK$3.08M · loan HK$3.08M · min. income ≈ HK$29,844/mo (50% DSR)
Upfront cash ≈ HK$3.23M (deposit + AVD stamp duty HK$150,789 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,621
−HK$844/mo
▼ 0.25% · 3.875%
HK$16,040
−HK$425/mo
Today · 4.125%
HK$16,465
baseline
▲ 0.50% · 4.625%
HK$17,333
+HK$868/mo
Deposit HK$3.08M · loan HK$3.08M · min. income ≈ HK$32,930/mo (50% DSR)
Upfront cash ≈ HK$3.23M (deposit + AVD stamp duty HK$150,789 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,850
−HK$1,056/mo
▼ 0.25% · 3.875%
HK$17,374
−HK$532/mo
Today · 4.125%
HK$17,906
baseline
▲ 0.50% · 4.625%
HK$18,996
+HK$1,090/mo
Deposit HK$2.46M · loan HK$3.69M · min. income ≈ HK$35,812/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$150,789 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,745
−HK$1,013/mo
▼ 0.25% · 3.875%
HK$19,248
−HK$510/mo
Today · 4.125%
HK$19,758
baseline
▲ 0.50% · 4.625%
HK$20,800
+HK$1,042/mo
Deposit HK$2.46M · loan HK$3.69M · min. income ≈ HK$39,516/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$150,789 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,658
−HK$1,233/mo
▼ 0.25% · 3.875%
HK$20,270
−HK$621/mo
Today · 4.125%
HK$20,891
baseline
▲ 0.50% · 4.625%
HK$22,162
+HK$1,271/mo
Deposit HK$1.85M · loan HK$4.31M · min. income ≈ HK$41,782/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$150,789 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,870
−HK$1,181/mo
▼ 0.25% · 3.875%
HK$22,456
−HK$595/mo
Today · 4.125%
HK$23,051
baseline
▲ 0.50% · 4.625%
HK$24,266
+HK$1,215/mo
Deposit HK$1.85M · loan HK$4.31M · min. income ≈ HK$46,102/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$150,789 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,275
−HK$1,585/mo
▼ 0.25% · 3.875%
HK$26,061
−HK$799/mo
Today · 4.125%
HK$26,860
baseline
▲ 0.50% · 4.625%
HK$28,494
+HK$1,634/mo
Deposit HK$616K · loan HK$5.54M · min. income ≈ HK$53,720/mo (50% DSR)
Upfront cash ≈ HK$767K (deposit + AVD stamp duty HK$150,789 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,118
−HK$1,519/mo
▼ 0.25% · 3.875%
HK$28,872
−HK$765/mo
Today · 4.125%
HK$29,637
baseline
▲ 0.50% · 4.625%
HK$31,199
+HK$1,562/mo
Deposit HK$616K · loan HK$5.54M · min. income ≈ HK$59,274/mo (50% DSR)
Upfront cash ≈ HK$767K (deposit + AVD stamp duty HK$150,789 · 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).