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$14,082
−HK$883/mo
▼ 0.25% · 3.875%
HK$14,520
−HK$445/mo
Today · 4.125%
HK$14,965
baseline
▲ 0.50% · 4.625%
HK$15,875
+HK$910/mo
Deposit HK$3.09M · loan HK$3.09M · min. income ≈ HK$29,930/mo (50% DSR)
Upfront cash ≈ HK$3.24M (deposit + AVD stamp duty HK$152,554 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,666
−HK$846/mo
▼ 0.25% · 3.875%
HK$16,086
−HK$426/mo
Today · 4.125%
HK$16,512
baseline
▲ 0.50% · 4.625%
HK$17,383
+HK$871/mo
Deposit HK$3.09M · loan HK$3.09M · min. income ≈ HK$33,024/mo (50% DSR)
Upfront cash ≈ HK$3.24M (deposit + AVD stamp duty HK$152,554 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,898
−HK$1,060/mo
▼ 0.25% · 3.875%
HK$17,424
−HK$534/mo
Today · 4.125%
HK$17,958
baseline
▲ 0.50% · 4.625%
HK$19,051
+HK$1,093/mo
Deposit HK$2.47M · loan HK$3.71M · min. income ≈ HK$35,916/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$152,554 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,799
−HK$1,016/mo
▼ 0.25% · 3.875%
HK$19,303
−HK$512/mo
Today · 4.125%
HK$19,815
baseline
▲ 0.50% · 4.625%
HK$20,859
+HK$1,044/mo
Deposit HK$2.47M · loan HK$3.71M · min. income ≈ HK$39,630/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$152,554 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,715
−HK$1,236/mo
▼ 0.25% · 3.875%
HK$20,328
−HK$623/mo
Today · 4.125%
HK$20,951
baseline
▲ 0.50% · 4.625%
HK$22,226
+HK$1,275/mo
Deposit HK$1.85M · loan HK$4.32M · min. income ≈ HK$41,902/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$152,554 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,932
−HK$1,185/mo
▼ 0.25% · 3.875%
HK$22,520
−HK$597/mo
Today · 4.125%
HK$23,117
baseline
▲ 0.50% · 4.625%
HK$24,336
+HK$1,219/mo
Deposit HK$1.85M · loan HK$4.32M · min. income ≈ HK$46,234/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$152,554 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,347
−HK$1,590/mo
▼ 0.25% · 3.875%
HK$26,136
−HK$801/mo
Today · 4.125%
HK$26,937
baseline
▲ 0.50% · 4.625%
HK$28,576
+HK$1,639/mo
Deposit HK$618K · loan HK$5.56M · min. income ≈ HK$53,874/mo (50% DSR)
Upfront cash ≈ HK$770K (deposit + AVD stamp duty HK$152,554 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,199
−HK$1,523/mo
▼ 0.25% · 3.875%
HK$28,955
−HK$767/mo
Today · 4.125%
HK$29,722
baseline
▲ 0.50% · 4.625%
HK$31,289
+HK$1,567/mo
Deposit HK$618K · loan HK$5.56M · min. income ≈ HK$59,444/mo (50% DSR)
Upfront cash ≈ HK$770K (deposit + AVD stamp duty HK$152,554 · 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).