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$14,054
−HK$881/mo
▼ 0.25% · 3.875%
HK$14,491
−HK$444/mo
Today · 4.125%
HK$14,935
baseline
▲ 0.50% · 4.625%
HK$15,844
+HK$909/mo
Deposit HK$3.08M · loan HK$3.08M · min. income ≈ HK$29,870/mo (50% DSR)
Upfront cash ≈ HK$3.23M (deposit + AVD stamp duty HK$151,331 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,635
−HK$845/mo
▼ 0.25% · 3.875%
HK$16,054
−HK$426/mo
Today · 4.125%
HK$16,480
baseline
▲ 0.50% · 4.625%
HK$17,348
+HK$868/mo
Deposit HK$3.08M · loan HK$3.08M · min. income ≈ HK$32,960/mo (50% DSR)
Upfront cash ≈ HK$3.23M (deposit + AVD stamp duty HK$151,331 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,865
−HK$1,057/mo
▼ 0.25% · 3.875%
HK$17,389
−HK$533/mo
Today · 4.125%
HK$17,922
baseline
▲ 0.50% · 4.625%
HK$19,013
+HK$1,091/mo
Deposit HK$2.47M · loan HK$3.70M · min. income ≈ HK$35,844/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$151,331 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,762
−HK$1,013/mo
▼ 0.25% · 3.875%
HK$19,265
−HK$510/mo
Today · 4.125%
HK$19,775
baseline
▲ 0.50% · 4.625%
HK$20,818
+HK$1,043/mo
Deposit HK$2.47M · loan HK$3.70M · min. income ≈ HK$39,550/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$151,331 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,675
−HK$1,234/mo
▼ 0.25% · 3.875%
HK$20,288
−HK$621/mo
Today · 4.125%
HK$20,909
baseline
▲ 0.50% · 4.625%
HK$22,182
+HK$1,273/mo
Deposit HK$1.85M · loan HK$4.31M · min. income ≈ HK$41,818/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$151,331 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,889
−HK$1,182/mo
▼ 0.25% · 3.875%
HK$22,476
−HK$595/mo
Today · 4.125%
HK$23,071
baseline
▲ 0.50% · 4.625%
HK$24,287
+HK$1,216/mo
Deposit HK$1.85M · loan HK$4.31M · min. income ≈ HK$46,142/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$151,331 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,297
−HK$1,586/mo
▼ 0.25% · 3.875%
HK$26,084
−HK$799/mo
Today · 4.125%
HK$26,883
baseline
▲ 0.50% · 4.625%
HK$28,519
+HK$1,636/mo
Deposit HK$616K · loan HK$5.55M · min. income ≈ HK$53,766/mo (50% DSR)
Upfront cash ≈ HK$768K (deposit + AVD stamp duty HK$151,331 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,143
−HK$1,520/mo
▼ 0.25% · 3.875%
HK$28,897
−HK$766/mo
Today · 4.125%
HK$29,663
baseline
▲ 0.50% · 4.625%
HK$31,227
+HK$1,564/mo
Deposit HK$616K · loan HK$5.55M · min. income ≈ HK$59,326/mo (50% DSR)
Upfront cash ≈ HK$768K (deposit + AVD stamp duty HK$151,331 · 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).