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$879/mo
▼ 0.25% · 3.875%
HK$14,462
−HK$443/mo
Today · 4.125%
HK$14,905
baseline
▲ 0.50% · 4.625%
HK$15,812
+HK$907/mo
Deposit HK$3.08M · loan HK$3.08M · min. income ≈ HK$29,810/mo (50% DSR)
Upfront cash ≈ HK$3.23M (deposit + AVD stamp duty HK$150,092 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,603
−HK$843/mo
▼ 0.25% · 3.875%
HK$16,022
−HK$424/mo
Today · 4.125%
HK$16,446
baseline
▲ 0.50% · 4.625%
HK$17,313
+HK$867/mo
Deposit HK$3.08M · loan HK$3.08M · min. income ≈ HK$32,892/mo (50% DSR)
Upfront cash ≈ HK$3.23M (deposit + AVD stamp duty HK$150,092 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,831
−HK$1,055/mo
▼ 0.25% · 3.875%
HK$17,354
−HK$532/mo
Today · 4.125%
HK$17,886
baseline
▲ 0.50% · 4.625%
HK$18,975
+HK$1,089/mo
Deposit HK$2.46M · loan HK$3.69M · min. income ≈ HK$35,772/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$150,092 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,724
−HK$1,012/mo
▼ 0.25% · 3.875%
HK$19,226
−HK$510/mo
Today · 4.125%
HK$19,736
baseline
▲ 0.50% · 4.625%
HK$20,776
+HK$1,040/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$150,092 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,636
−HK$1,231/mo
▼ 0.25% · 3.875%
HK$20,247
−HK$620/mo
Today · 4.125%
HK$20,867
baseline
▲ 0.50% · 4.625%
HK$22,137
+HK$1,270/mo
Deposit HK$1.85M · loan HK$4.31M · min. income ≈ HK$41,734/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$150,092 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,845
−HK$1,180/mo
▼ 0.25% · 3.875%
HK$22,431
−HK$594/mo
Today · 4.125%
HK$23,025
baseline
▲ 0.50% · 4.625%
HK$24,239
+HK$1,214/mo
Deposit HK$1.85M · loan HK$4.31M · min. income ≈ HK$46,050/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$150,092 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,246
−HK$1,583/mo
▼ 0.25% · 3.875%
HK$26,031
−HK$798/mo
Today · 4.125%
HK$26,829
baseline
▲ 0.50% · 4.625%
HK$28,462
+HK$1,633/mo
Deposit HK$615K · loan HK$5.54M · min. income ≈ HK$53,658/mo (50% DSR)
Upfront cash ≈ HK$765K (deposit + AVD stamp duty HK$150,092 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,086
−HK$1,518/mo
▼ 0.25% · 3.875%
HK$28,839
−HK$765/mo
Today · 4.125%
HK$29,604
baseline
▲ 0.50% · 4.625%
HK$31,164
+HK$1,560/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$150,092 · 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).