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$14,089
−HK$883/mo
▼ 0.25% · 3.875%
HK$14,527
−HK$445/mo
Today · 4.125%
HK$14,972
baseline
▲ 0.50% · 4.625%
HK$15,883
+HK$911/mo
Deposit HK$3.09M · loan HK$3.09M · min. income ≈ HK$29,944/mo (50% DSR)
Upfront cash ≈ HK$3.24M (deposit + AVD stamp duty HK$152,854 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,673
−HK$847/mo
▼ 0.25% · 3.875%
HK$16,094
−HK$426/mo
Today · 4.125%
HK$16,520
baseline
▲ 0.50% · 4.625%
HK$17,391
+HK$871/mo
Deposit HK$3.09M · loan HK$3.09M · min. income ≈ HK$33,040/mo (50% DSR)
Upfront cash ≈ HK$3.24M (deposit + AVD stamp duty HK$152,854 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,906
−HK$1,061/mo
▼ 0.25% · 3.875%
HK$17,432
−HK$535/mo
Today · 4.125%
HK$17,967
baseline
▲ 0.50% · 4.625%
HK$19,060
+HK$1,093/mo
Deposit HK$2.47M · loan HK$3.71M · min. income ≈ HK$35,934/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$152,854 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,808
−HK$1,016/mo
▼ 0.25% · 3.875%
HK$19,313
−HK$511/mo
Today · 4.125%
HK$19,824
baseline
▲ 0.50% · 4.625%
HK$20,869
+HK$1,045/mo
Deposit HK$2.47M · loan HK$3.71M · min. income ≈ HK$39,648/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$152,854 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,724
−HK$1,237/mo
▼ 0.25% · 3.875%
HK$20,338
−HK$623/mo
Today · 4.125%
HK$20,961
baseline
▲ 0.50% · 4.625%
HK$22,236
+HK$1,275/mo
Deposit HK$1.85M · loan HK$4.32M · min. income ≈ HK$41,922/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$152,854 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,943
−HK$1,185/mo
▼ 0.25% · 3.875%
HK$22,531
−HK$597/mo
Today · 4.125%
HK$23,128
baseline
▲ 0.50% · 4.625%
HK$24,348
+HK$1,220/mo
Deposit HK$1.85M · loan HK$4.32M · min. income ≈ HK$46,256/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$152,854 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,360
−HK$1,590/mo
▼ 0.25% · 3.875%
HK$26,148
−HK$802/mo
Today · 4.125%
HK$26,950
baseline
▲ 0.50% · 4.625%
HK$28,590
+HK$1,640/mo
Deposit HK$618K · loan HK$5.56M · min. income ≈ HK$53,900/mo (50% DSR)
Upfront cash ≈ HK$771K (deposit + AVD stamp duty HK$152,854 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,212
−HK$1,524/mo
▼ 0.25% · 3.875%
HK$28,969
−HK$767/mo
Today · 4.125%
HK$29,736
baseline
▲ 0.50% · 4.625%
HK$31,304
+HK$1,568/mo
Deposit HK$618K · loan HK$5.56M · min. income ≈ HK$59,472/mo (50% DSR)
Upfront cash ≈ HK$771K (deposit + AVD stamp duty HK$152,854 · 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).