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$14,085
−HK$883/mo
▼ 0.25% · 3.875%
HK$14,523
−HK$445/mo
Today · 4.125%
HK$14,968
baseline
▲ 0.50% · 4.625%
HK$15,879
+HK$911/mo
Deposit HK$3.09M · loan HK$3.09M · min. income ≈ HK$29,936/mo (50% DSR)
Upfront cash ≈ HK$3.24M (deposit + AVD stamp duty HK$152,691 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,669
−HK$847/mo
▼ 0.25% · 3.875%
HK$16,090
−HK$426/mo
Today · 4.125%
HK$16,516
baseline
▲ 0.50% · 4.625%
HK$17,386
+HK$870/mo
Deposit HK$3.09M · loan HK$3.09M · min. income ≈ HK$33,032/mo (50% DSR)
Upfront cash ≈ HK$3.24M (deposit + AVD stamp duty HK$152,691 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,902
−HK$1,060/mo
▼ 0.25% · 3.875%
HK$17,428
−HK$534/mo
Today · 4.125%
HK$17,962
baseline
▲ 0.50% · 4.625%
HK$19,055
+HK$1,093/mo
Deposit HK$2.47M · loan HK$3.71M · min. income ≈ HK$35,924/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$152,691 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,803
−HK$1,016/mo
▼ 0.25% · 3.875%
HK$19,308
−HK$511/mo
Today · 4.125%
HK$19,819
baseline
▲ 0.50% · 4.625%
HK$20,864
+HK$1,045/mo
Deposit HK$2.47M · loan HK$3.71M · min. income ≈ HK$39,638/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$152,691 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,719
−HK$1,236/mo
▼ 0.25% · 3.875%
HK$20,332
−HK$623/mo
Today · 4.125%
HK$20,955
baseline
▲ 0.50% · 4.625%
HK$22,231
+HK$1,276/mo
Deposit HK$1.85M · loan HK$4.32M · min. income ≈ HK$41,910/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$152,691 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,937
−HK$1,185/mo
▼ 0.25% · 3.875%
HK$22,525
−HK$597/mo
Today · 4.125%
HK$23,122
baseline
▲ 0.50% · 4.625%
HK$24,341
+HK$1,219/mo
Deposit HK$1.85M · loan HK$4.32M · min. income ≈ HK$46,244/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$152,691 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,353
−HK$1,590/mo
▼ 0.25% · 3.875%
HK$26,141
−HK$802/mo
Today · 4.125%
HK$26,943
baseline
▲ 0.50% · 4.625%
HK$28,582
+HK$1,639/mo
Deposit HK$618K · loan HK$5.56M · min. income ≈ HK$53,886/mo (50% DSR)
Upfront cash ≈ HK$770K (deposit + AVD stamp duty HK$152,691 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,205
−HK$1,524/mo
▼ 0.25% · 3.875%
HK$28,961
−HK$768/mo
Today · 4.125%
HK$29,729
baseline
▲ 0.50% · 4.625%
HK$31,296
+HK$1,567/mo
Deposit HK$618K · loan HK$5.56M · min. income ≈ HK$59,458/mo (50% DSR)
Upfront cash ≈ HK$770K (deposit + AVD stamp duty HK$152,691 · 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).