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$14,047
−HK$880/mo
▼ 0.25% · 3.875%
HK$14,484
−HK$443/mo
Today · 4.125%
HK$14,927
baseline
▲ 0.50% · 4.625%
HK$15,836
+HK$909/mo
Deposit HK$3.08M · loan HK$3.08M · min. income ≈ HK$29,854/mo (50% DSR)
Upfront cash ≈ HK$3.23M (deposit + AVD stamp duty HK$151,011 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,627
−HK$844/mo
▼ 0.25% · 3.875%
HK$16,046
−HK$425/mo
Today · 4.125%
HK$16,471
baseline
▲ 0.50% · 4.625%
HK$17,339
+HK$868/mo
Deposit HK$3.08M · loan HK$3.08M · min. income ≈ HK$32,942/mo (50% DSR)
Upfront cash ≈ HK$3.23M (deposit + AVD stamp duty HK$151,011 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,856
−HK$1,057/mo
▼ 0.25% · 3.875%
HK$17,380
−HK$533/mo
Today · 4.125%
HK$17,913
baseline
▲ 0.50% · 4.625%
HK$19,003
+HK$1,090/mo
Deposit HK$2.46M · loan HK$3.70M · min. income ≈ HK$35,826/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$151,011 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,752
−HK$1,013/mo
▼ 0.25% · 3.875%
HK$19,255
−HK$510/mo
Today · 4.125%
HK$19,765
baseline
▲ 0.50% · 4.625%
HK$20,807
+HK$1,042/mo
Deposit HK$2.46M · loan HK$3.70M · min. income ≈ HK$39,530/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$151,011 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,665
−HK$1,233/mo
▼ 0.25% · 3.875%
HK$20,277
−HK$621/mo
Today · 4.125%
HK$20,898
baseline
▲ 0.50% · 4.625%
HK$22,170
+HK$1,272/mo
Deposit HK$1.85M · loan HK$4.31M · min. income ≈ HK$41,796/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$151,011 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,877
−HK$1,182/mo
▼ 0.25% · 3.875%
HK$22,464
−HK$595/mo
Today · 4.125%
HK$23,059
baseline
▲ 0.50% · 4.625%
HK$24,275
+HK$1,216/mo
Deposit HK$1.85M · loan HK$4.31M · min. income ≈ HK$46,118/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$151,011 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,284
−HK$1,585/mo
▼ 0.25% · 3.875%
HK$26,070
−HK$799/mo
Today · 4.125%
HK$26,869
baseline
▲ 0.50% · 4.625%
HK$28,504
+HK$1,635/mo
Deposit HK$616K · loan HK$5.54M · min. income ≈ HK$53,738/mo (50% DSR)
Upfront cash ≈ HK$767K (deposit + AVD stamp duty HK$151,011 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,128
−HK$1,520/mo
▼ 0.25% · 3.875%
HK$28,883
−HK$765/mo
Today · 4.125%
HK$29,648
baseline
▲ 0.50% · 4.625%
HK$31,211
+HK$1,563/mo
Deposit HK$616K · loan HK$5.54M · min. income ≈ HK$59,296/mo (50% DSR)
Upfront cash ≈ HK$767K (deposit + AVD stamp duty HK$151,011 · 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).