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$14,083
−HK$883/mo
▼ 0.25% · 3.875%
HK$14,521
−HK$445/mo
Today · 4.125%
HK$14,966
baseline
▲ 0.50% · 4.625%
HK$15,877
+HK$911/mo
Deposit HK$3.09M · loan HK$3.09M · min. income ≈ HK$29,932/mo (50% DSR)
Upfront cash ≈ HK$3.24M (deposit + AVD stamp duty HK$152,611 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,667
−HK$847/mo
▼ 0.25% · 3.875%
HK$16,088
−HK$426/mo
Today · 4.125%
HK$16,514
baseline
▲ 0.50% · 4.625%
HK$17,384
+HK$870/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$152,611 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,900
−HK$1,059/mo
▼ 0.25% · 3.875%
HK$17,425
−HK$534/mo
Today · 4.125%
HK$17,959
baseline
▲ 0.50% · 4.625%
HK$19,052
+HK$1,093/mo
Deposit HK$2.47M · loan HK$3.71M · min. income ≈ HK$35,918/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$152,611 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,801
−HK$1,016/mo
▼ 0.25% · 3.875%
HK$19,305
−HK$512/mo
Today · 4.125%
HK$19,817
baseline
▲ 0.50% · 4.625%
HK$20,861
+HK$1,044/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$152,611 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,716
−HK$1,237/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$152,611 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,934
−HK$1,185/mo
▼ 0.25% · 3.875%
HK$22,523
−HK$596/mo
Today · 4.125%
HK$23,119
baseline
▲ 0.50% · 4.625%
HK$24,338
+HK$1,219/mo
Deposit HK$1.85M · loan HK$4.32M · min. income ≈ HK$46,238/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$152,611 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,350
−HK$1,589/mo
▼ 0.25% · 3.875%
HK$26,138
−HK$801/mo
Today · 4.125%
HK$26,939
baseline
▲ 0.50% · 4.625%
HK$28,578
+HK$1,639/mo
Deposit HK$618K · loan HK$5.56M · min. income ≈ HK$53,878/mo (50% DSR)
Upfront cash ≈ HK$770K (deposit + AVD stamp duty HK$152,611 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,201
−HK$1,524/mo
▼ 0.25% · 3.875%
HK$28,958
−HK$767/mo
Today · 4.125%
HK$29,725
baseline
▲ 0.50% · 4.625%
HK$31,292
+HK$1,567/mo
Deposit HK$618K · loan HK$5.56M · min. income ≈ HK$59,450/mo (50% DSR)
Upfront cash ≈ HK$770K (deposit + AVD stamp duty HK$152,611 · 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).