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$13,938
−HK$874/mo
▼ 0.25% · 3.875%
HK$14,372
−HK$440/mo
Today · 4.125%
HK$14,812
baseline
▲ 0.50% · 4.625%
HK$15,713
+HK$901/mo
Deposit HK$3.06M · loan HK$3.06M · min. income ≈ HK$29,624/mo (50% DSR)
Upfront cash ≈ HK$3.20M (deposit + AVD stamp duty HK$146,254 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,506
−HK$838/mo
▼ 0.25% · 3.875%
HK$15,922
−HK$422/mo
Today · 4.125%
HK$16,344
baseline
▲ 0.50% · 4.625%
HK$17,205
+HK$861/mo
Deposit HK$3.06M · loan HK$3.06M · min. income ≈ HK$32,688/mo (50% DSR)
Upfront cash ≈ HK$3.20M (deposit + AVD stamp duty HK$146,254 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,726
−HK$1,049/mo
▼ 0.25% · 3.875%
HK$17,246
−HK$529/mo
Today · 4.125%
HK$17,775
baseline
▲ 0.50% · 4.625%
HK$18,856
+HK$1,081/mo
Deposit HK$2.45M · loan HK$3.67M · min. income ≈ HK$35,550/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$146,254 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,607
−HK$1,006/mo
▼ 0.25% · 3.875%
HK$19,106
−HK$507/mo
Today · 4.125%
HK$19,613
baseline
▲ 0.50% · 4.625%
HK$20,646
+HK$1,033/mo
Deposit HK$2.45M · loan HK$3.67M · min. income ≈ HK$39,226/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$146,254 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,513
−HK$1,224/mo
▼ 0.25% · 3.875%
HK$20,120
−HK$617/mo
Today · 4.125%
HK$20,737
baseline
▲ 0.50% · 4.625%
HK$21,999
+HK$1,262/mo
Deposit HK$1.83M · loan HK$4.28M · min. income ≈ HK$41,474/mo (50% DSR)
Upfront cash ≈ HK$1.98M (deposit + AVD stamp duty HK$146,254 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,708
−HK$1,173/mo
▼ 0.25% · 3.875%
HK$22,291
−HK$590/mo
Today · 4.125%
HK$22,881
baseline
▲ 0.50% · 4.625%
HK$24,087
+HK$1,206/mo
Deposit HK$1.83M · loan HK$4.28M · min. income ≈ HK$45,762/mo (50% DSR)
Upfront cash ≈ HK$1.98M (deposit + AVD stamp duty HK$146,254 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,089
−HK$1,573/mo
▼ 0.25% · 3.875%
HK$25,869
−HK$793/mo
Today · 4.125%
HK$26,662
baseline
▲ 0.50% · 4.625%
HK$28,284
+HK$1,622/mo
Deposit HK$611K · loan HK$5.50M · min. income ≈ HK$53,324/mo (50% DSR)
Upfront cash ≈ HK$758K (deposit + AVD stamp duty HK$146,254 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,911
−HK$1,508/mo
▼ 0.25% · 3.875%
HK$28,659
−HK$760/mo
Today · 4.125%
HK$29,419
baseline
▲ 0.50% · 4.625%
HK$30,970
+HK$1,551/mo
Deposit HK$611K · loan HK$5.50M · min. income ≈ HK$58,838/mo (50% DSR)
Upfront cash ≈ HK$758K (deposit + AVD stamp duty HK$146,254 · 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).