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$14,055
−HK$882/mo
▼ 0.25% · 3.875%
HK$14,493
−HK$444/mo
Today · 4.125%
HK$14,937
baseline
▲ 0.50% · 4.625%
HK$15,846
+HK$909/mo
Deposit HK$3.08M · loan HK$3.08M · min. income ≈ HK$29,874/mo (50% DSR)
Upfront cash ≈ HK$3.23M (deposit + AVD stamp duty HK$151,393 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,636
−HK$845/mo
▼ 0.25% · 3.875%
HK$16,056
−HK$425/mo
Today · 4.125%
HK$16,481
baseline
▲ 0.50% · 4.625%
HK$17,350
+HK$869/mo
Deposit HK$3.08M · loan HK$3.08M · min. income ≈ HK$32,962/mo (50% DSR)
Upfront cash ≈ HK$3.23M (deposit + AVD stamp duty HK$151,393 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,866
−HK$1,058/mo
▼ 0.25% · 3.875%
HK$17,391
−HK$533/mo
Today · 4.125%
HK$17,924
baseline
▲ 0.50% · 4.625%
HK$19,015
+HK$1,091/mo
Deposit HK$2.47M · loan HK$3.70M · min. income ≈ HK$35,848/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$151,393 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,764
−HK$1,013/mo
▼ 0.25% · 3.875%
HK$19,267
−HK$510/mo
Today · 4.125%
HK$19,777
baseline
▲ 0.50% · 4.625%
HK$20,820
+HK$1,043/mo
Deposit HK$2.47M · loan HK$3.70M · min. income ≈ HK$39,554/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$151,393 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,677
−HK$1,234/mo
▼ 0.25% · 3.875%
HK$20,290
−HK$621/mo
Today · 4.125%
HK$20,911
baseline
▲ 0.50% · 4.625%
HK$22,184
+HK$1,273/mo
Deposit HK$1.85M · loan HK$4.31M · min. income ≈ HK$41,822/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$151,393 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,891
−HK$1,183/mo
▼ 0.25% · 3.875%
HK$22,478
−HK$596/mo
Today · 4.125%
HK$23,074
baseline
▲ 0.50% · 4.625%
HK$24,290
+HK$1,216/mo
Deposit HK$1.85M · loan HK$4.31M · min. income ≈ HK$46,148/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$151,393 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,300
−HK$1,586/mo
▼ 0.25% · 3.875%
HK$26,087
−HK$799/mo
Today · 4.125%
HK$26,886
baseline
▲ 0.50% · 4.625%
HK$28,522
+HK$1,636/mo
Deposit HK$616K · loan HK$5.55M · min. income ≈ HK$53,772/mo (50% DSR)
Upfront cash ≈ HK$768K (deposit + AVD stamp duty HK$151,393 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,146
−HK$1,520/mo
▼ 0.25% · 3.875%
HK$28,900
−HK$766/mo
Today · 4.125%
HK$29,666
baseline
▲ 0.50% · 4.625%
HK$31,230
+HK$1,564/mo
Deposit HK$616K · loan HK$5.55M · min. income ≈ HK$59,332/mo (50% DSR)
Upfront cash ≈ HK$768K (deposit + AVD stamp duty HK$151,393 · 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).