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$13,928
−HK$873/mo
▼ 0.25% · 3.875%
HK$14,361
−HK$440/mo
Today · 4.125%
HK$14,801
baseline
▲ 0.50% · 4.625%
HK$15,702
+HK$901/mo
Deposit HK$3.05M · loan HK$3.05M · min. income ≈ HK$29,602/mo (50% DSR)
Upfront cash ≈ HK$3.20M (deposit + AVD stamp duty HK$145,802 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,495
−HK$837/mo
▼ 0.25% · 3.875%
HK$15,910
−HK$422/mo
Today · 4.125%
HK$16,332
baseline
▲ 0.50% · 4.625%
HK$17,193
+HK$861/mo
Deposit HK$3.05M · loan HK$3.05M · min. income ≈ HK$32,664/mo (50% DSR)
Upfront cash ≈ HK$3.20M (deposit + AVD stamp duty HK$145,802 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,713
−HK$1,048/mo
▼ 0.25% · 3.875%
HK$17,233
−HK$528/mo
Today · 4.125%
HK$17,761
baseline
▲ 0.50% · 4.625%
HK$18,842
+HK$1,081/mo
Deposit HK$2.44M · loan HK$3.66M · min. income ≈ HK$35,522/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$145,802 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,593
−HK$1,005/mo
▼ 0.25% · 3.875%
HK$19,092
−HK$506/mo
Today · 4.125%
HK$19,598
baseline
▲ 0.50% · 4.625%
HK$20,631
+HK$1,033/mo
Deposit HK$2.44M · loan HK$3.66M · min. income ≈ HK$39,196/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$145,802 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,499
−HK$1,223/mo
▼ 0.25% · 3.875%
HK$20,105
−HK$617/mo
Today · 4.125%
HK$20,722
baseline
▲ 0.50% · 4.625%
HK$21,983
+HK$1,261/mo
Deposit HK$1.83M · loan HK$4.28M · min. income ≈ HK$41,444/mo (50% DSR)
Upfront cash ≈ HK$1.98M (deposit + AVD stamp duty HK$145,802 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,692
−HK$1,172/mo
▼ 0.25% · 3.875%
HK$22,274
−HK$590/mo
Today · 4.125%
HK$22,864
baseline
▲ 0.50% · 4.625%
HK$24,070
+HK$1,206/mo
Deposit HK$1.83M · loan HK$4.28M · min. income ≈ HK$45,728/mo (50% DSR)
Upfront cash ≈ HK$1.98M (deposit + AVD stamp duty HK$145,802 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,070
−HK$1,572/mo
▼ 0.25% · 3.875%
HK$25,850
−HK$792/mo
Today · 4.125%
HK$26,642
baseline
▲ 0.50% · 4.625%
HK$28,263
+HK$1,621/mo
Deposit HK$611K · loan HK$5.50M · min. income ≈ HK$53,284/mo (50% DSR)
Upfront cash ≈ HK$757K (deposit + AVD stamp duty HK$145,802 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,890
−HK$1,507/mo
▼ 0.25% · 3.875%
HK$28,638
−HK$759/mo
Today · 4.125%
HK$29,397
baseline
▲ 0.50% · 4.625%
HK$30,947
+HK$1,550/mo
Deposit HK$611K · loan HK$5.50M · min. income ≈ HK$58,794/mo (50% DSR)
Upfront cash ≈ HK$757K (deposit + AVD stamp duty HK$145,802 · 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).