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$14,050
−HK$881/mo
▼ 0.25% · 3.875%
HK$14,487
−HK$444/mo
Today · 4.125%
HK$14,931
baseline
▲ 0.50% · 4.625%
HK$15,839
+HK$908/mo
Deposit HK$3.08M · loan HK$3.08M · min. income ≈ HK$29,862/mo (50% DSR)
Upfront cash ≈ HK$3.23M (deposit + AVD stamp duty HK$151,142 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,630
−HK$844/mo
▼ 0.25% · 3.875%
HK$16,049
−HK$425/mo
Today · 4.125%
HK$16,474
baseline
▲ 0.50% · 4.625%
HK$17,343
+HK$869/mo
Deposit HK$3.08M · loan HK$3.08M · min. income ≈ HK$32,948/mo (50% DSR)
Upfront cash ≈ HK$3.23M (deposit + AVD stamp duty HK$151,142 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,860
−HK$1,057/mo
▼ 0.25% · 3.875%
HK$17,384
−HK$533/mo
Today · 4.125%
HK$17,917
baseline
▲ 0.50% · 4.625%
HK$19,007
+HK$1,090/mo
Deposit HK$2.46M · loan HK$3.70M · min. income ≈ HK$35,834/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$151,142 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,756
−HK$1,013/mo
▼ 0.25% · 3.875%
HK$19,259
−HK$510/mo
Today · 4.125%
HK$19,769
baseline
▲ 0.50% · 4.625%
HK$20,811
+HK$1,042/mo
Deposit HK$2.46M · loan HK$3.70M · min. income ≈ HK$39,538/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$151,142 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,669
−HK$1,234/mo
▼ 0.25% · 3.875%
HK$20,281
−HK$622/mo
Today · 4.125%
HK$20,903
baseline
▲ 0.50% · 4.625%
HK$22,175
+HK$1,272/mo
Deposit HK$1.85M · loan HK$4.31M · min. income ≈ HK$41,806/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$151,142 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,882
−HK$1,182/mo
▼ 0.25% · 3.875%
HK$22,469
−HK$595/mo
Today · 4.125%
HK$23,064
baseline
▲ 0.50% · 4.625%
HK$24,280
+HK$1,216/mo
Deposit HK$1.85M · loan HK$4.31M · min. income ≈ HK$46,128/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$151,142 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,289
−HK$1,586/mo
▼ 0.25% · 3.875%
HK$26,076
−HK$799/mo
Today · 4.125%
HK$26,875
baseline
▲ 0.50% · 4.625%
HK$28,510
+HK$1,635/mo
Deposit HK$616K · loan HK$5.55M · min. income ≈ HK$53,750/mo (50% DSR)
Upfront cash ≈ HK$767K (deposit + AVD stamp duty HK$151,142 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,134
−HK$1,520/mo
▼ 0.25% · 3.875%
HK$28,889
−HK$765/mo
Today · 4.125%
HK$29,654
baseline
▲ 0.50% · 4.625%
HK$31,217
+HK$1,563/mo
Deposit HK$616K · loan HK$5.55M · min. income ≈ HK$59,308/mo (50% DSR)
Upfront cash ≈ HK$767K (deposit + AVD stamp duty HK$151,142 · 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).