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$13,934
−HK$874/mo
▼ 0.25% · 3.875%
HK$14,367
−HK$441/mo
Today · 4.125%
HK$14,808
baseline
▲ 0.50% · 4.625%
HK$15,709
+HK$901/mo
Deposit HK$3.06M · loan HK$3.06M · min. income ≈ HK$29,616/mo (50% DSR)
Upfront cash ≈ HK$3.20M (deposit + AVD stamp duty HK$146,061 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,501
−HK$838/mo
▼ 0.25% · 3.875%
HK$15,917
−HK$422/mo
Today · 4.125%
HK$16,339
baseline
▲ 0.50% · 4.625%
HK$17,200
+HK$861/mo
Deposit HK$3.06M · loan HK$3.06M · min. income ≈ HK$32,678/mo (50% DSR)
Upfront cash ≈ HK$3.20M (deposit + AVD stamp duty HK$146,061 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,720
−HK$1,049/mo
▼ 0.25% · 3.875%
HK$17,241
−HK$528/mo
Today · 4.125%
HK$17,769
baseline
▲ 0.50% · 4.625%
HK$18,850
+HK$1,081/mo
Deposit HK$2.44M · loan HK$3.67M · min. income ≈ HK$35,538/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$146,061 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,601
−HK$1,005/mo
▼ 0.25% · 3.875%
HK$19,100
−HK$506/mo
Today · 4.125%
HK$19,606
baseline
▲ 0.50% · 4.625%
HK$20,640
+HK$1,034/mo
Deposit HK$2.44M · loan HK$3.67M · min. income ≈ HK$39,212/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$146,061 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,507
−HK$1,224/mo
▼ 0.25% · 3.875%
HK$20,114
−HK$617/mo
Today · 4.125%
HK$20,731
baseline
▲ 0.50% · 4.625%
HK$21,992
+HK$1,261/mo
Deposit HK$1.83M · loan HK$4.28M · min. income ≈ HK$41,462/mo (50% DSR)
Upfront cash ≈ HK$1.98M (deposit + AVD stamp duty HK$146,061 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,702
−HK$1,172/mo
▼ 0.25% · 3.875%
HK$22,284
−HK$590/mo
Today · 4.125%
HK$22,874
baseline
▲ 0.50% · 4.625%
HK$24,080
+HK$1,206/mo
Deposit HK$1.83M · loan HK$4.28M · min. income ≈ HK$45,748/mo (50% DSR)
Upfront cash ≈ HK$1.98M (deposit + AVD stamp duty HK$146,061 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,081
−HK$1,573/mo
▼ 0.25% · 3.875%
HK$25,861
−HK$793/mo
Today · 4.125%
HK$26,654
baseline
▲ 0.50% · 4.625%
HK$28,275
+HK$1,621/mo
Deposit HK$611K · loan HK$5.50M · min. income ≈ HK$53,308/mo (50% DSR)
Upfront cash ≈ HK$757K (deposit + AVD stamp duty HK$146,061 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,902
−HK$1,508/mo
▼ 0.25% · 3.875%
HK$28,650
−HK$760/mo
Today · 4.125%
HK$29,410
baseline
▲ 0.50% · 4.625%
HK$30,960
+HK$1,550/mo
Deposit HK$611K · loan HK$5.50M · min. income ≈ HK$58,820/mo (50% DSR)
Upfront cash ≈ HK$757K (deposit + AVD stamp duty HK$146,061 · 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).