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$883/mo
▼ 0.25% · 3.875%
HK$14,522
−HK$445/mo
Today · 4.125%
HK$14,967
baseline
▲ 0.50% · 4.625%
HK$15,877
+HK$910/mo
Deposit HK$3.09M · loan HK$3.09M · min. income ≈ HK$29,934/mo (50% DSR)
Upfront cash ≈ HK$3.24M (deposit + AVD stamp duty HK$152,631 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,668
−HK$846/mo
▼ 0.25% · 3.875%
HK$16,088
−HK$426/mo
Today · 4.125%
HK$16,514
baseline
▲ 0.50% · 4.625%
HK$17,385
+HK$871/mo
Deposit HK$3.09M · loan HK$3.09M · min. income ≈ HK$33,028/mo (50% DSR)
Upfront cash ≈ HK$3.24M (deposit + AVD stamp duty HK$152,631 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,900
−HK$1,060/mo
▼ 0.25% · 3.875%
HK$17,426
−HK$534/mo
Today · 4.125%
HK$17,960
baseline
▲ 0.50% · 4.625%
HK$19,053
+HK$1,093/mo
Deposit HK$2.47M · loan HK$3.71M · min. income ≈ HK$35,920/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$152,631 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,801
−HK$1,016/mo
▼ 0.25% · 3.875%
HK$19,306
−HK$511/mo
Today · 4.125%
HK$19,817
baseline
▲ 0.50% · 4.625%
HK$20,862
+HK$1,045/mo
Deposit HK$2.47M · loan HK$3.71M · min. income ≈ HK$39,634/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$152,631 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,717
−HK$1,236/mo
▼ 0.25% · 3.875%
HK$20,330
−HK$623/mo
Today · 4.125%
HK$20,953
baseline
▲ 0.50% · 4.625%
HK$22,228
+HK$1,275/mo
Deposit HK$1.85M · loan HK$4.32M · min. income ≈ HK$41,906/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$152,631 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,935
−HK$1,185/mo
▼ 0.25% · 3.875%
HK$22,523
−HK$597/mo
Today · 4.125%
HK$23,120
baseline
▲ 0.50% · 4.625%
HK$24,339
+HK$1,219/mo
Deposit HK$1.85M · loan HK$4.32M · min. income ≈ HK$46,240/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$152,631 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,350
−HK$1,590/mo
▼ 0.25% · 3.875%
HK$26,139
−HK$801/mo
Today · 4.125%
HK$26,940
baseline
▲ 0.50% · 4.625%
HK$28,579
+HK$1,639/mo
Deposit HK$618K · loan HK$5.56M · min. income ≈ HK$53,880/mo (50% DSR)
Upfront cash ≈ HK$770K (deposit + AVD stamp duty HK$152,631 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,202
−HK$1,524/mo
▼ 0.25% · 3.875%
HK$28,958
−HK$768/mo
Today · 4.125%
HK$29,726
baseline
▲ 0.50% · 4.625%
HK$31,293
+HK$1,567/mo
Deposit HK$618K · loan HK$5.56M · min. income ≈ HK$59,452/mo (50% DSR)
Upfront cash ≈ HK$770K (deposit + AVD stamp duty HK$152,631 · 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).