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$14,045
−HK$881/mo
▼ 0.25% · 3.875%
HK$14,482
−HK$444/mo
Today · 4.125%
HK$14,926
baseline
▲ 0.50% · 4.625%
HK$15,834
+HK$908/mo
Deposit HK$3.08M · loan HK$3.08M · min. income ≈ HK$29,852/mo (50% DSR)
Upfront cash ≈ HK$3.23M (deposit + AVD stamp duty HK$150,935 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,625
−HK$844/mo
▼ 0.25% · 3.875%
HK$16,044
−HK$425/mo
Today · 4.125%
HK$16,469
baseline
▲ 0.50% · 4.625%
HK$17,337
+HK$868/mo
Deposit HK$3.08M · loan HK$3.08M · min. income ≈ HK$32,938/mo (50% DSR)
Upfront cash ≈ HK$3.23M (deposit + AVD stamp duty HK$150,935 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,854
−HK$1,057/mo
▼ 0.25% · 3.875%
HK$17,378
−HK$533/mo
Today · 4.125%
HK$17,911
baseline
▲ 0.50% · 4.625%
HK$19,001
+HK$1,090/mo
Deposit HK$2.46M · loan HK$3.70M · min. income ≈ HK$35,822/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$150,935 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,750
−HK$1,013/mo
▼ 0.25% · 3.875%
HK$19,253
−HK$510/mo
Today · 4.125%
HK$19,763
baseline
▲ 0.50% · 4.625%
HK$20,804
+HK$1,041/mo
Deposit HK$2.46M · loan HK$3.70M · min. income ≈ HK$39,526/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$150,935 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,663
−HK$1,233/mo
▼ 0.25% · 3.875%
HK$20,274
−HK$622/mo
Today · 4.125%
HK$20,896
baseline
▲ 0.50% · 4.625%
HK$22,167
+HK$1,271/mo
Deposit HK$1.85M · loan HK$4.31M · min. income ≈ HK$41,792/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$150,935 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,875
−HK$1,182/mo
▼ 0.25% · 3.875%
HK$22,461
−HK$596/mo
Today · 4.125%
HK$23,057
baseline
▲ 0.50% · 4.625%
HK$24,272
+HK$1,215/mo
Deposit HK$1.85M · loan HK$4.31M · min. income ≈ HK$46,114/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$150,935 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,281
−HK$1,585/mo
▼ 0.25% · 3.875%
HK$26,067
−HK$799/mo
Today · 4.125%
HK$26,866
baseline
▲ 0.50% · 4.625%
HK$28,501
+HK$1,635/mo
Deposit HK$616K · loan HK$5.54M · min. income ≈ HK$53,732/mo (50% DSR)
Upfront cash ≈ HK$767K (deposit + AVD stamp duty HK$150,935 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,125
−HK$1,519/mo
▼ 0.25% · 3.875%
HK$28,879
−HK$765/mo
Today · 4.125%
HK$29,644
baseline
▲ 0.50% · 4.625%
HK$31,207
+HK$1,563/mo
Deposit HK$616K · loan HK$5.54M · min. income ≈ HK$59,288/mo (50% DSR)
Upfront cash ≈ HK$767K (deposit + AVD stamp duty HK$150,935 · 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).