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$14,026
−HK$880/mo
▼ 0.25% · 3.875%
HK$14,462
−HK$444/mo
Today · 4.125%
HK$14,906
baseline
▲ 0.50% · 4.625%
HK$15,813
+HK$907/mo
Deposit HK$3.08M · loan HK$3.08M · min. income ≈ HK$29,812/mo (50% DSR)
Upfront cash ≈ HK$3.23M (deposit + AVD stamp duty HK$150,110 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,604
−HK$843/mo
▼ 0.25% · 3.875%
HK$16,022
−HK$425/mo
Today · 4.125%
HK$16,447
baseline
▲ 0.50% · 4.625%
HK$17,314
+HK$867/mo
Deposit HK$3.08M · loan HK$3.08M · min. income ≈ HK$32,894/mo (50% DSR)
Upfront cash ≈ HK$3.23M (deposit + AVD stamp duty HK$150,110 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,831
−HK$1,056/mo
▼ 0.25% · 3.875%
HK$17,355
−HK$532/mo
Today · 4.125%
HK$17,887
baseline
▲ 0.50% · 4.625%
HK$18,975
+HK$1,088/mo
Deposit HK$2.46M · loan HK$3.69M · min. income ≈ HK$35,774/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$150,110 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,725
−HK$1,011/mo
▼ 0.25% · 3.875%
HK$19,227
−HK$509/mo
Today · 4.125%
HK$19,736
baseline
▲ 0.50% · 4.625%
HK$20,777
+HK$1,041/mo
Deposit HK$2.46M · loan HK$3.69M · min. income ≈ HK$39,472/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$150,110 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,636
−HK$1,232/mo
▼ 0.25% · 3.875%
HK$20,247
−HK$621/mo
Today · 4.125%
HK$20,868
baseline
▲ 0.50% · 4.625%
HK$22,138
+HK$1,270/mo
Deposit HK$1.85M · loan HK$4.31M · min. income ≈ HK$41,736/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$150,110 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,845
−HK$1,181/mo
▼ 0.25% · 3.875%
HK$22,431
−HK$595/mo
Today · 4.125%
HK$23,026
baseline
▲ 0.50% · 4.625%
HK$24,239
+HK$1,213/mo
Deposit HK$1.85M · loan HK$4.31M · min. income ≈ HK$46,052/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$150,110 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,247
−HK$1,583/mo
▼ 0.25% · 3.875%
HK$26,032
−HK$798/mo
Today · 4.125%
HK$26,830
baseline
▲ 0.50% · 4.625%
HK$28,463
+HK$1,633/mo
Deposit HK$615K · loan HK$5.54M · min. income ≈ HK$53,660/mo (50% DSR)
Upfront cash ≈ HK$765K (deposit + AVD stamp duty HK$150,110 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,087
−HK$1,517/mo
▼ 0.25% · 3.875%
HK$28,840
−HK$764/mo
Today · 4.125%
HK$29,604
baseline
▲ 0.50% · 4.625%
HK$31,165
+HK$1,561/mo
Deposit HK$615K · loan HK$5.54M · min. income ≈ HK$59,208/mo (50% DSR)
Upfront cash ≈ HK$765K (deposit + AVD stamp duty HK$150,110 · 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).