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$151,316 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,634
−HK$845/mo
▼ 0.25% · 3.875%
HK$16,054
−HK$425/mo
Today · 4.125%
HK$16,479
baseline
▲ 0.50% · 4.625%
HK$17,348
+HK$869/mo
Deposit HK$3.08M · loan HK$3.08M · min. income ≈ HK$32,958/mo (50% DSR)
Upfront cash ≈ HK$3.23M (deposit + AVD stamp duty HK$151,316 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,864
−HK$1,058/mo
▼ 0.25% · 3.875%
HK$17,389
−HK$533/mo
Today · 4.125%
HK$17,922
baseline
▲ 0.50% · 4.625%
HK$19,012
+HK$1,090/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$151,316 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,761
−HK$1,014/mo
▼ 0.25% · 3.875%
HK$19,265
−HK$510/mo
Today · 4.125%
HK$19,775
baseline
▲ 0.50% · 4.625%
HK$20,817
+HK$1,042/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$151,316 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,675
−HK$1,234/mo
▼ 0.25% · 3.875%
HK$20,287
−HK$622/mo
Today · 4.125%
HK$20,909
baseline
▲ 0.50% · 4.625%
HK$22,181
+HK$1,272/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$151,316 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,888
−HK$1,183/mo
▼ 0.25% · 3.875%
HK$22,475
−HK$596/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$151,316 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,296
−HK$1,587/mo
▼ 0.25% · 3.875%
HK$26,083
−HK$800/mo
Today · 4.125%
HK$26,883
baseline
▲ 0.50% · 4.625%
HK$28,518
+HK$1,635/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$151,316 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,142
−HK$1,520/mo
▼ 0.25% · 3.875%
HK$28,897
−HK$765/mo
Today · 4.125%
HK$29,662
baseline
▲ 0.50% · 4.625%
HK$31,226
+HK$1,564/mo
Deposit HK$616K · loan HK$5.55M · min. income ≈ HK$59,324/mo (50% DSR)
Upfront cash ≈ HK$768K (deposit + AVD stamp duty HK$151,316 · 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).