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$14,069
−HK$882/mo
▼ 0.25% · 3.875%
HK$14,507
−HK$444/mo
Today · 4.125%
HK$14,951
baseline
▲ 0.50% · 4.625%
HK$15,861
+HK$910/mo
Deposit HK$3.09M · loan HK$3.09M · min. income ≈ HK$29,902/mo (50% DSR)
Upfront cash ≈ HK$3.24M (deposit + AVD stamp duty HK$152,001 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,652
−HK$845/mo
▼ 0.25% · 3.875%
HK$16,072
−HK$425/mo
Today · 4.125%
HK$16,497
baseline
▲ 0.50% · 4.625%
HK$17,367
+HK$870/mo
Deposit HK$3.09M · loan HK$3.09M · min. income ≈ HK$32,994/mo (50% DSR)
Upfront cash ≈ HK$3.24M (deposit + AVD stamp duty HK$152,001 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,883
−HK$1,059/mo
▼ 0.25% · 3.875%
HK$17,408
−HK$534/mo
Today · 4.125%
HK$17,942
baseline
▲ 0.50% · 4.625%
HK$19,033
+HK$1,091/mo
Deposit HK$2.47M · loan HK$3.70M · min. income ≈ HK$35,884/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$152,001 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,782
−HK$1,015/mo
▼ 0.25% · 3.875%
HK$19,286
−HK$511/mo
Today · 4.125%
HK$19,797
baseline
▲ 0.50% · 4.625%
HK$20,840
+HK$1,043/mo
Deposit HK$2.47M · loan HK$3.70M · min. income ≈ HK$39,594/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$152,001 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,697
−HK$1,235/mo
▼ 0.25% · 3.875%
HK$20,310
−HK$622/mo
Today · 4.125%
HK$20,932
baseline
▲ 0.50% · 4.625%
HK$22,206
+HK$1,274/mo
Deposit HK$1.85M · loan HK$4.32M · min. income ≈ HK$41,864/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$152,001 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,913
−HK$1,183/mo
▼ 0.25% · 3.875%
HK$22,500
−HK$596/mo
Today · 4.125%
HK$23,096
baseline
▲ 0.50% · 4.625%
HK$24,314
+HK$1,218/mo
Deposit HK$1.85M · loan HK$4.32M · min. income ≈ HK$46,192/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$152,001 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,325
−HK$1,588/mo
▼ 0.25% · 3.875%
HK$26,112
−HK$801/mo
Today · 4.125%
HK$26,913
baseline
▲ 0.50% · 4.625%
HK$28,550
+HK$1,637/mo
Deposit HK$617K · loan HK$5.55M · min. income ≈ HK$53,826/mo (50% DSR)
Upfront cash ≈ HK$769K (deposit + AVD stamp duty HK$152,001 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,173
−HK$1,522/mo
▼ 0.25% · 3.875%
HK$28,929
−HK$766/mo
Today · 4.125%
HK$29,695
baseline
▲ 0.50% · 4.625%
HK$31,261
+HK$1,566/mo
Deposit HK$617K · loan HK$5.55M · min. income ≈ HK$59,390/mo (50% DSR)
Upfront cash ≈ HK$769K (deposit + AVD stamp duty HK$152,001 · 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).