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$14,087
−HK$883/mo
▼ 0.25% · 3.875%
HK$14,525
−HK$445/mo
Today · 4.125%
HK$14,970
baseline
▲ 0.50% · 4.625%
HK$15,881
+HK$911/mo
Deposit HK$3.09M · loan HK$3.09M · min. income ≈ HK$29,940/mo (50% DSR)
Upfront cash ≈ HK$3.24M (deposit + AVD stamp duty HK$152,760 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,671
−HK$847/mo
▼ 0.25% · 3.875%
HK$16,091
−HK$427/mo
Today · 4.125%
HK$16,518
baseline
▲ 0.50% · 4.625%
HK$17,388
+HK$870/mo
Deposit HK$3.09M · loan HK$3.09M · min. income ≈ HK$33,036/mo (50% DSR)
Upfront cash ≈ HK$3.24M (deposit + AVD stamp duty HK$152,760 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,904
−HK$1,060/mo
▼ 0.25% · 3.875%
HK$17,430
−HK$534/mo
Today · 4.125%
HK$17,964
baseline
▲ 0.50% · 4.625%
HK$19,057
+HK$1,093/mo
Deposit HK$2.47M · loan HK$3.71M · min. income ≈ HK$35,928/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$152,760 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,805
−HK$1,016/mo
▼ 0.25% · 3.875%
HK$19,310
−HK$511/mo
Today · 4.125%
HK$19,821
baseline
▲ 0.50% · 4.625%
HK$20,866
+HK$1,045/mo
Deposit HK$2.47M · loan HK$3.71M · min. income ≈ HK$39,642/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$152,760 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,721
−HK$1,237/mo
▼ 0.25% · 3.875%
HK$20,335
−HK$623/mo
Today · 4.125%
HK$20,958
baseline
▲ 0.50% · 4.625%
HK$22,233
+HK$1,275/mo
Deposit HK$1.85M · loan HK$4.32M · min. income ≈ HK$41,916/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$152,760 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,940
−HK$1,185/mo
▼ 0.25% · 3.875%
HK$22,528
−HK$597/mo
Today · 4.125%
HK$23,125
baseline
▲ 0.50% · 4.625%
HK$24,344
+HK$1,219/mo
Deposit HK$1.85M · loan HK$4.32M · min. income ≈ HK$46,250/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$152,760 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,356
−HK$1,590/mo
▼ 0.25% · 3.875%
HK$26,144
−HK$802/mo
Today · 4.125%
HK$26,946
baseline
▲ 0.50% · 4.625%
HK$28,585
+HK$1,639/mo
Deposit HK$618K · loan HK$5.56M · min. income ≈ HK$53,892/mo (50% DSR)
Upfront cash ≈ HK$771K (deposit + AVD stamp duty HK$152,760 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,208
−HK$1,524/mo
▼ 0.25% · 3.875%
HK$28,965
−HK$767/mo
Today · 4.125%
HK$29,732
baseline
▲ 0.50% · 4.625%
HK$31,299
+HK$1,567/mo
Deposit HK$618K · loan HK$5.56M · min. income ≈ HK$59,464/mo (50% DSR)
Upfront cash ≈ HK$771K (deposit + AVD stamp duty HK$152,760 · 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).