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$14,088
−HK$883/mo
▼ 0.25% · 3.875%
HK$14,526
−HK$445/mo
Today · 4.125%
HK$14,971
baseline
▲ 0.50% · 4.625%
HK$15,882
+HK$911/mo
Deposit HK$3.09M · loan HK$3.09M · min. income ≈ HK$29,942/mo (50% DSR)
Upfront cash ≈ HK$3.24M (deposit + AVD stamp duty HK$152,809 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,672
−HK$847/mo
▼ 0.25% · 3.875%
HK$16,093
−HK$426/mo
Today · 4.125%
HK$16,519
baseline
▲ 0.50% · 4.625%
HK$17,390
+HK$871/mo
Deposit HK$3.09M · loan HK$3.09M · min. income ≈ HK$33,038/mo (50% DSR)
Upfront cash ≈ HK$3.24M (deposit + AVD stamp duty HK$152,809 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,905
−HK$1,060/mo
▼ 0.25% · 3.875%
HK$17,431
−HK$534/mo
Today · 4.125%
HK$17,965
baseline
▲ 0.50% · 4.625%
HK$19,058
+HK$1,093/mo
Deposit HK$2.47M · loan HK$3.71M · min. income ≈ HK$35,930/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$152,809 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,807
−HK$1,016/mo
▼ 0.25% · 3.875%
HK$19,311
−HK$512/mo
Today · 4.125%
HK$19,823
baseline
▲ 0.50% · 4.625%
HK$20,868
+HK$1,045/mo
Deposit HK$2.47M · loan HK$3.71M · min. income ≈ HK$39,646/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$152,809 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,723
−HK$1,236/mo
▼ 0.25% · 3.875%
HK$20,336
−HK$623/mo
Today · 4.125%
HK$20,959
baseline
▲ 0.50% · 4.625%
HK$22,235
+HK$1,276/mo
Deposit HK$1.85M · loan HK$4.32M · min. income ≈ HK$41,918/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$152,809 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,941
−HK$1,186/mo
▼ 0.25% · 3.875%
HK$22,530
−HK$597/mo
Today · 4.125%
HK$23,127
baseline
▲ 0.50% · 4.625%
HK$24,346
+HK$1,219/mo
Deposit HK$1.85M · loan HK$4.32M · min. income ≈ HK$46,254/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$152,809 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,358
−HK$1,590/mo
▼ 0.25% · 3.875%
HK$26,146
−HK$802/mo
Today · 4.125%
HK$26,948
baseline
▲ 0.50% · 4.625%
HK$28,588
+HK$1,640/mo
Deposit HK$618K · loan HK$5.56M · min. income ≈ HK$53,896/mo (50% DSR)
Upfront cash ≈ HK$771K (deposit + AVD stamp duty HK$152,809 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,210
−HK$1,524/mo
▼ 0.25% · 3.875%
HK$28,967
−HK$767/mo
Today · 4.125%
HK$29,734
baseline
▲ 0.50% · 4.625%
HK$31,302
+HK$1,568/mo
Deposit HK$618K · loan HK$5.56M · min. income ≈ HK$59,468/mo (50% DSR)
Upfront cash ≈ HK$771K (deposit + AVD stamp duty HK$152,809 · 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).