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$14,090
−HK$883/mo
▼ 0.25% · 3.875%
HK$14,528
−HK$445/mo
Today · 4.125%
HK$14,973
baseline
▲ 0.50% · 4.625%
HK$15,885
+HK$912/mo
Deposit HK$3.09M · loan HK$3.09M · min. income ≈ HK$29,946/mo (50% DSR)
Upfront cash ≈ HK$3.24M (deposit + AVD stamp duty HK$152,910 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,675
−HK$847/mo
▼ 0.25% · 3.875%
HK$16,095
−HK$427/mo
Today · 4.125%
HK$16,522
baseline
▲ 0.50% · 4.625%
HK$17,393
+HK$871/mo
Deposit HK$3.09M · loan HK$3.09M · min. income ≈ HK$33,044/mo (50% DSR)
Upfront cash ≈ HK$3.24M (deposit + AVD stamp duty HK$152,910 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,908
−HK$1,060/mo
▼ 0.25% · 3.875%
HK$17,434
−HK$534/mo
Today · 4.125%
HK$17,968
baseline
▲ 0.50% · 4.625%
HK$19,062
+HK$1,094/mo
Deposit HK$2.47M · loan HK$3.71M · min. income ≈ HK$35,936/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$152,910 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,810
−HK$1,016/mo
▼ 0.25% · 3.875%
HK$19,314
−HK$512/mo
Today · 4.125%
HK$19,826
baseline
▲ 0.50% · 4.625%
HK$20,871
+HK$1,045/mo
Deposit HK$2.47M · loan HK$3.71M · min. income ≈ HK$39,652/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$152,910 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,726
−HK$1,237/mo
▼ 0.25% · 3.875%
HK$20,339
−HK$624/mo
Today · 4.125%
HK$20,963
baseline
▲ 0.50% · 4.625%
HK$22,238
+HK$1,275/mo
Deposit HK$1.85M · loan HK$4.33M · min. income ≈ HK$41,926/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$152,910 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,945
−HK$1,185/mo
▼ 0.25% · 3.875%
HK$22,533
−HK$597/mo
Today · 4.125%
HK$23,130
baseline
▲ 0.50% · 4.625%
HK$24,350
+HK$1,220/mo
Deposit HK$1.85M · loan HK$4.33M · min. income ≈ HK$46,260/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$152,910 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,362
−HK$1,590/mo
▼ 0.25% · 3.875%
HK$26,151
−HK$801/mo
Today · 4.125%
HK$26,952
baseline
▲ 0.50% · 4.625%
HK$28,592
+HK$1,640/mo
Deposit HK$618K · loan HK$5.56M · min. income ≈ HK$53,904/mo (50% DSR)
Upfront cash ≈ HK$771K (deposit + AVD stamp duty HK$152,910 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,215
−HK$1,524/mo
▼ 0.25% · 3.875%
HK$28,972
−HK$767/mo
Today · 4.125%
HK$29,739
baseline
▲ 0.50% · 4.625%
HK$31,307
+HK$1,568/mo
Deposit HK$618K · loan HK$5.56M · min. income ≈ HK$59,478/mo (50% DSR)
Upfront cash ≈ HK$771K (deposit + AVD stamp duty HK$152,910 · 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).