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$14,067
−HK$882/mo
▼ 0.25% · 3.875%
HK$14,504
−HK$445/mo
Today · 4.125%
HK$14,949
baseline
▲ 0.50% · 4.625%
HK$15,858
+HK$909/mo
Deposit HK$3.08M · loan HK$3.08M · min. income ≈ HK$29,898/mo (50% DSR)
Upfront cash ≈ HK$3.24M (deposit + AVD stamp duty HK$151,886 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,649
−HK$845/mo
▼ 0.25% · 3.875%
HK$16,069
−HK$425/mo
Today · 4.125%
HK$16,494
baseline
▲ 0.50% · 4.625%
HK$17,364
+HK$870/mo
Deposit HK$3.08M · loan HK$3.08M · min. income ≈ HK$32,988/mo (50% DSR)
Upfront cash ≈ HK$3.24M (deposit + AVD stamp duty HK$151,886 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,880
−HK$1,058/mo
▼ 0.25% · 3.875%
HK$17,405
−HK$533/mo
Today · 4.125%
HK$17,938
baseline
▲ 0.50% · 4.625%
HK$19,030
+HK$1,092/mo
Deposit HK$2.47M · loan HK$3.70M · min. income ≈ HK$35,876/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$151,886 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,779
−HK$1,014/mo
▼ 0.25% · 3.875%
HK$19,282
−HK$511/mo
Today · 4.125%
HK$19,793
baseline
▲ 0.50% · 4.625%
HK$20,837
+HK$1,044/mo
Deposit HK$2.47M · loan HK$3.70M · min. income ≈ HK$39,586/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$151,886 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,693
−HK$1,235/mo
▼ 0.25% · 3.875%
HK$20,306
−HK$622/mo
Today · 4.125%
HK$20,928
baseline
▲ 0.50% · 4.625%
HK$22,202
+HK$1,274/mo
Deposit HK$1.85M · loan HK$4.32M · min. income ≈ HK$41,856/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$151,886 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,908
−HK$1,184/mo
▼ 0.25% · 3.875%
HK$22,496
−HK$596/mo
Today · 4.125%
HK$23,092
baseline
▲ 0.50% · 4.625%
HK$24,309
+HK$1,217/mo
Deposit HK$1.85M · loan HK$4.32M · min. income ≈ HK$46,184/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$151,886 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,320
−HK$1,588/mo
▼ 0.25% · 3.875%
HK$26,107
−HK$801/mo
Today · 4.125%
HK$26,908
baseline
▲ 0.50% · 4.625%
HK$28,545
+HK$1,637/mo
Deposit HK$617K · loan HK$5.55M · min. income ≈ HK$53,816/mo (50% DSR)
Upfront cash ≈ HK$769K (deposit + AVD stamp duty HK$151,886 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,168
−HK$1,522/mo
▼ 0.25% · 3.875%
HK$28,923
−HK$767/mo
Today · 4.125%
HK$29,690
baseline
▲ 0.50% · 4.625%
HK$31,255
+HK$1,565/mo
Deposit HK$617K · loan HK$5.55M · min. income ≈ HK$59,380/mo (50% DSR)
Upfront cash ≈ HK$769K (deposit + AVD stamp duty HK$151,886 · 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).