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$13,923
−HK$873/mo
▼ 0.25% · 3.875%
HK$14,356
−HK$440/mo
Today · 4.125%
HK$14,796
baseline
▲ 0.50% · 4.625%
HK$15,696
+HK$900/mo
Deposit HK$3.05M · loan HK$3.05M · min. income ≈ HK$29,592/mo (50% DSR)
Upfront cash ≈ HK$3.20M (deposit + AVD stamp duty HK$145,581 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,489
−HK$837/mo
▼ 0.25% · 3.875%
HK$15,904
−HK$422/mo
Today · 4.125%
HK$16,326
baseline
▲ 0.50% · 4.625%
HK$17,186
+HK$860/mo
Deposit HK$3.05M · loan HK$3.05M · min. income ≈ HK$32,652/mo (50% DSR)
Upfront cash ≈ HK$3.20M (deposit + AVD stamp duty HK$145,581 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,707
−HK$1,048/mo
▼ 0.25% · 3.875%
HK$17,227
−HK$528/mo
Today · 4.125%
HK$17,755
baseline
▲ 0.50% · 4.625%
HK$18,835
+HK$1,080/mo
Deposit HK$2.44M · loan HK$3.66M · min. income ≈ HK$35,510/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$145,581 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,587
−HK$1,004/mo
▼ 0.25% · 3.875%
HK$19,085
−HK$506/mo
Today · 4.125%
HK$19,591
baseline
▲ 0.50% · 4.625%
HK$20,624
+HK$1,033/mo
Deposit HK$2.44M · loan HK$3.66M · min. income ≈ HK$39,182/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$145,581 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,492
−HK$1,222/mo
▼ 0.25% · 3.875%
HK$20,098
−HK$616/mo
Today · 4.125%
HK$20,714
baseline
▲ 0.50% · 4.625%
HK$21,975
+HK$1,261/mo
Deposit HK$1.83M · loan HK$4.27M · min. income ≈ HK$41,428/mo (50% DSR)
Upfront cash ≈ HK$1.98M (deposit + AVD stamp duty HK$145,581 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,685
−HK$1,171/mo
▼ 0.25% · 3.875%
HK$22,266
−HK$590/mo
Today · 4.125%
HK$22,856
baseline
▲ 0.50% · 4.625%
HK$24,061
+HK$1,205/mo
Deposit HK$1.83M · loan HK$4.27M · min. income ≈ HK$45,712/mo (50% DSR)
Upfront cash ≈ HK$1.98M (deposit + AVD stamp duty HK$145,581 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,061
−HK$1,572/mo
▼ 0.25% · 3.875%
HK$25,841
−HK$792/mo
Today · 4.125%
HK$26,633
baseline
▲ 0.50% · 4.625%
HK$28,253
+HK$1,620/mo
Deposit HK$611K · loan HK$5.50M · min. income ≈ HK$53,266/mo (50% DSR)
Upfront cash ≈ HK$756K (deposit + AVD stamp duty HK$145,581 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,880
−HK$1,506/mo
▼ 0.25% · 3.875%
HK$28,628
−HK$758/mo
Today · 4.125%
HK$29,386
baseline
▲ 0.50% · 4.625%
HK$30,935
+HK$1,549/mo
Deposit HK$611K · loan HK$5.50M · min. income ≈ HK$58,772/mo (50% DSR)
Upfront cash ≈ HK$756K (deposit + AVD stamp duty HK$145,581 · 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).