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$14,024
−HK$880/mo
▼ 0.25% · 3.875%
HK$14,461
−HK$443/mo
Today · 4.125%
HK$14,904
baseline
▲ 0.50% · 4.625%
HK$15,811
+HK$907/mo
Deposit HK$3.08M · loan HK$3.08M · min. income ≈ HK$29,808/mo (50% DSR)
Upfront cash ≈ HK$3.23M (deposit + AVD stamp duty HK$150,035 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,602
−HK$843/mo
▼ 0.25% · 3.875%
HK$16,020
−HK$425/mo
Today · 4.125%
HK$16,445
baseline
▲ 0.50% · 4.625%
HK$17,312
+HK$867/mo
Deposit HK$3.08M · loan HK$3.08M · min. income ≈ HK$32,890/mo (50% DSR)
Upfront cash ≈ HK$3.23M (deposit + AVD stamp duty HK$150,035 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,829
−HK$1,056/mo
▼ 0.25% · 3.875%
HK$17,353
−HK$532/mo
Today · 4.125%
HK$17,885
baseline
▲ 0.50% · 4.625%
HK$18,973
+HK$1,088/mo
Deposit HK$2.46M · loan HK$3.69M · min. income ≈ HK$35,770/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$150,035 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,722
−HK$1,012/mo
▼ 0.25% · 3.875%
HK$19,224
−HK$510/mo
Today · 4.125%
HK$19,734
baseline
▲ 0.50% · 4.625%
HK$20,774
+HK$1,040/mo
Deposit HK$2.46M · loan HK$3.69M · min. income ≈ HK$39,468/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$150,035 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,634
−HK$1,231/mo
▼ 0.25% · 3.875%
HK$20,245
−HK$620/mo
Today · 4.125%
HK$20,865
baseline
▲ 0.50% · 4.625%
HK$22,135
+HK$1,270/mo
Deposit HK$1.85M · loan HK$4.31M · min. income ≈ HK$41,730/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$150,035 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,843
−HK$1,180/mo
▼ 0.25% · 3.875%
HK$22,429
−HK$594/mo
Today · 4.125%
HK$23,023
baseline
▲ 0.50% · 4.625%
HK$24,236
+HK$1,213/mo
Deposit HK$1.85M · loan HK$4.31M · min. income ≈ HK$46,046/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$150,035 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,244
−HK$1,583/mo
▼ 0.25% · 3.875%
HK$26,029
−HK$798/mo
Today · 4.125%
HK$26,827
baseline
▲ 0.50% · 4.625%
HK$28,459
+HK$1,632/mo
Deposit HK$615K · loan HK$5.54M · min. income ≈ HK$53,654/mo (50% DSR)
Upfront cash ≈ HK$765K (deposit + AVD stamp duty HK$150,035 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,084
−HK$1,517/mo
▼ 0.25% · 3.875%
HK$28,837
−HK$764/mo
Today · 4.125%
HK$29,601
baseline
▲ 0.50% · 4.625%
HK$31,161
+HK$1,560/mo
Deposit HK$615K · loan HK$5.54M · min. income ≈ HK$59,202/mo (50% DSR)
Upfront cash ≈ HK$765K (deposit + AVD stamp duty HK$150,035 · 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).