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$14,083
−HK$883/mo
▼ 0.25% · 3.875%
HK$14,521
−HK$445/mo
Today · 4.125%
HK$14,966
baseline
▲ 0.50% · 4.625%
HK$15,876
+HK$910/mo
Deposit HK$3.09M · loan HK$3.09M · min. income ≈ HK$29,932/mo (50% DSR)
Upfront cash ≈ HK$3.24M (deposit + AVD stamp duty HK$152,593 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,667
−HK$846/mo
▼ 0.25% · 3.875%
HK$16,087
−HK$426/mo
Today · 4.125%
HK$16,513
baseline
▲ 0.50% · 4.625%
HK$17,384
+HK$871/mo
Deposit HK$3.09M · loan HK$3.09M · min. income ≈ HK$33,026/mo (50% DSR)
Upfront cash ≈ HK$3.24M (deposit + AVD stamp duty HK$152,593 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,899
−HK$1,060/mo
▼ 0.25% · 3.875%
HK$17,425
−HK$534/mo
Today · 4.125%
HK$17,959
baseline
▲ 0.50% · 4.625%
HK$19,052
+HK$1,093/mo
Deposit HK$2.47M · loan HK$3.71M · min. income ≈ HK$35,918/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$152,593 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,800
−HK$1,016/mo
▼ 0.25% · 3.875%
HK$19,304
−HK$512/mo
Today · 4.125%
HK$19,816
baseline
▲ 0.50% · 4.625%
HK$20,860
+HK$1,044/mo
Deposit HK$2.47M · loan HK$3.71M · min. income ≈ HK$39,632/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$152,593 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,716
−HK$1,236/mo
▼ 0.25% · 3.875%
HK$20,329
−HK$623/mo
Today · 4.125%
HK$20,952
baseline
▲ 0.50% · 4.625%
HK$22,227
+HK$1,275/mo
Deposit HK$1.85M · loan HK$4.32M · min. income ≈ HK$41,904/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$152,593 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,934
−HK$1,185/mo
▼ 0.25% · 3.875%
HK$22,522
−HK$597/mo
Today · 4.125%
HK$23,119
baseline
▲ 0.50% · 4.625%
HK$24,337
+HK$1,218/mo
Deposit HK$1.85M · loan HK$4.32M · min. income ≈ HK$46,238/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$152,593 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,349
−HK$1,589/mo
▼ 0.25% · 3.875%
HK$26,137
−HK$801/mo
Today · 4.125%
HK$26,938
baseline
▲ 0.50% · 4.625%
HK$28,578
+HK$1,640/mo
Deposit HK$618K · loan HK$5.56M · min. income ≈ HK$53,876/mo (50% DSR)
Upfront cash ≈ HK$770K (deposit + AVD stamp duty HK$152,593 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,200
−HK$1,524/mo
▼ 0.25% · 3.875%
HK$28,957
−HK$767/mo
Today · 4.125%
HK$29,724
baseline
▲ 0.50% · 4.625%
HK$31,291
+HK$1,567/mo
Deposit HK$618K · loan HK$5.56M · min. income ≈ HK$59,448/mo (50% DSR)
Upfront cash ≈ HK$770K (deposit + AVD stamp duty HK$152,593 · 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).