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$14,084
−HK$884/mo
▼ 0.25% · 3.875%
HK$14,523
−HK$445/mo
Today · 4.125%
HK$14,968
baseline
▲ 0.50% · 4.625%
HK$15,878
+HK$910/mo
Deposit HK$3.09M · loan HK$3.09M · min. income ≈ HK$29,936/mo (50% DSR)
Upfront cash ≈ HK$3.24M (deposit + AVD stamp duty HK$152,669 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,669
−HK$846/mo
▼ 0.25% · 3.875%
HK$16,089
−HK$426/mo
Today · 4.125%
HK$16,515
baseline
▲ 0.50% · 4.625%
HK$17,386
+HK$871/mo
Deposit HK$3.09M · loan HK$3.09M · min. income ≈ HK$33,030/mo (50% DSR)
Upfront cash ≈ HK$3.24M (deposit + AVD stamp duty HK$152,669 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,901
−HK$1,060/mo
▼ 0.25% · 3.875%
HK$17,427
−HK$534/mo
Today · 4.125%
HK$17,961
baseline
▲ 0.50% · 4.625%
HK$19,054
+HK$1,093/mo
Deposit HK$2.47M · loan HK$3.71M · min. income ≈ HK$35,922/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$152,669 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,803
−HK$1,015/mo
▼ 0.25% · 3.875%
HK$19,307
−HK$511/mo
Today · 4.125%
HK$19,818
baseline
▲ 0.50% · 4.625%
HK$20,863
+HK$1,045/mo
Deposit HK$2.47M · loan HK$3.71M · min. income ≈ HK$39,636/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$152,669 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,718
−HK$1,237/mo
▼ 0.25% · 3.875%
HK$20,332
−HK$623/mo
Today · 4.125%
HK$20,955
baseline
▲ 0.50% · 4.625%
HK$22,230
+HK$1,275/mo
Deposit HK$1.85M · loan HK$4.32M · min. income ≈ HK$41,910/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$152,669 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,936
−HK$1,185/mo
▼ 0.25% · 3.875%
HK$22,525
−HK$596/mo
Today · 4.125%
HK$23,121
baseline
▲ 0.50% · 4.625%
HK$24,340
+HK$1,219/mo
Deposit HK$1.85M · loan HK$4.32M · min. income ≈ HK$46,242/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$152,669 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,352
−HK$1,590/mo
▼ 0.25% · 3.875%
HK$26,141
−HK$801/mo
Today · 4.125%
HK$26,942
baseline
▲ 0.50% · 4.625%
HK$28,581
+HK$1,639/mo
Deposit HK$618K · loan HK$5.56M · min. income ≈ HK$53,884/mo (50% DSR)
Upfront cash ≈ HK$770K (deposit + AVD stamp duty HK$152,669 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,204
−HK$1,524/mo
▼ 0.25% · 3.875%
HK$28,960
−HK$768/mo
Today · 4.125%
HK$29,728
baseline
▲ 0.50% · 4.625%
HK$31,295
+HK$1,567/mo
Deposit HK$618K · loan HK$5.56M · min. income ≈ HK$59,456/mo (50% DSR)
Upfront cash ≈ HK$770K (deposit + AVD stamp duty HK$152,669 · 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).