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$884/mo
▼ 0.25% · 3.875%
HK$14,525
−HK$446/mo
Today · 4.125%
HK$14,971
baseline
▲ 0.50% · 4.625%
HK$15,882
+HK$911/mo
Deposit HK$3.09M · loan HK$3.09M · min. income ≈ HK$29,942/mo (50% DSR)
Upfront cash ≈ HK$3.24M (deposit + AVD stamp duty HK$152,794 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,672
−HK$847/mo
▼ 0.25% · 3.875%
HK$16,092
−HK$427/mo
Today · 4.125%
HK$16,519
baseline
▲ 0.50% · 4.625%
HK$17,389
+HK$870/mo
Deposit HK$3.09M · loan HK$3.09M · min. income ≈ HK$33,038/mo (50% DSR)
Upfront cash ≈ HK$3.24M (deposit + AVD stamp duty HK$152,794 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,905
−HK$1,060/mo
▼ 0.25% · 3.875%
HK$17,431
−HK$534/mo
Today · 4.125%
HK$17,965
baseline
▲ 0.50% · 4.625%
HK$19,058
+HK$1,093/mo
Deposit HK$2.47M · loan HK$3.71M · min. income ≈ HK$35,930/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$152,794 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,806
−HK$1,016/mo
▼ 0.25% · 3.875%
HK$19,311
−HK$511/mo
Today · 4.125%
HK$19,822
baseline
▲ 0.50% · 4.625%
HK$20,867
+HK$1,045/mo
Deposit HK$2.47M · loan HK$3.71M · min. income ≈ HK$39,644/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$152,794 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,722
−HK$1,237/mo
▼ 0.25% · 3.875%
HK$20,336
−HK$623/mo
Today · 4.125%
HK$20,959
baseline
▲ 0.50% · 4.625%
HK$22,234
+HK$1,275/mo
Deposit HK$1.85M · loan HK$4.32M · min. income ≈ HK$41,918/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$152,794 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,941
−HK$1,185/mo
▼ 0.25% · 3.875%
HK$22,529
−HK$597/mo
Today · 4.125%
HK$23,126
baseline
▲ 0.50% · 4.625%
HK$24,345
+HK$1,219/mo
Deposit HK$1.85M · loan HK$4.32M · min. income ≈ HK$46,252/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$152,794 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,357
−HK$1,590/mo
▼ 0.25% · 3.875%
HK$26,146
−HK$801/mo
Today · 4.125%
HK$26,947
baseline
▲ 0.50% · 4.625%
HK$28,587
+HK$1,640/mo
Deposit HK$618K · loan HK$5.56M · min. income ≈ HK$53,894/mo (50% DSR)
Upfront cash ≈ HK$771K (deposit + AVD stamp duty HK$152,794 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,210
−HK$1,524/mo
▼ 0.25% · 3.875%
HK$28,966
−HK$768/mo
Today · 4.125%
HK$29,734
baseline
▲ 0.50% · 4.625%
HK$31,301
+HK$1,567/mo
Deposit HK$618K · loan HK$5.56M · min. income ≈ HK$59,468/mo (50% DSR)
Upfront cash ≈ HK$771K (deposit + AVD stamp duty HK$152,794 · 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).