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$14,061
−HK$882/mo
▼ 0.25% · 3.875%
HK$14,498
−HK$445/mo
Today · 4.125%
HK$14,943
baseline
▲ 0.50% · 4.625%
HK$15,852
+HK$909/mo
Deposit HK$3.08M · loan HK$3.08M · min. income ≈ HK$29,886/mo (50% DSR)
Upfront cash ≈ HK$3.23M (deposit + AVD stamp duty HK$151,638 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,643
−HK$845/mo
▼ 0.25% · 3.875%
HK$16,062
−HK$426/mo
Today · 4.125%
HK$16,488
baseline
▲ 0.50% · 4.625%
HK$17,357
+HK$869/mo
Deposit HK$3.08M · loan HK$3.08M · min. income ≈ HK$32,976/mo (50% DSR)
Upfront cash ≈ HK$3.23M (deposit + AVD stamp duty HK$151,638 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,873
−HK$1,058/mo
▼ 0.25% · 3.875%
HK$17,398
−HK$533/mo
Today · 4.125%
HK$17,931
baseline
▲ 0.50% · 4.625%
HK$19,022
+HK$1,091/mo
Deposit HK$2.47M · loan HK$3.70M · min. income ≈ HK$35,862/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$151,638 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,771
−HK$1,014/mo
▼ 0.25% · 3.875%
HK$19,275
−HK$510/mo
Today · 4.125%
HK$19,785
baseline
▲ 0.50% · 4.625%
HK$20,828
+HK$1,043/mo
Deposit HK$2.47M · loan HK$3.70M · min. income ≈ HK$39,570/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$151,638 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,685
−HK$1,235/mo
▼ 0.25% · 3.875%
HK$20,298
−HK$622/mo
Today · 4.125%
HK$20,920
baseline
▲ 0.50% · 4.625%
HK$22,193
+HK$1,273/mo
Deposit HK$1.85M · loan HK$4.32M · min. income ≈ HK$41,840/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$151,638 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,900
−HK$1,183/mo
▼ 0.25% · 3.875%
HK$22,487
−HK$596/mo
Today · 4.125%
HK$23,083
baseline
▲ 0.50% · 4.625%
HK$24,300
+HK$1,217/mo
Deposit HK$1.85M · loan HK$4.32M · min. income ≈ HK$46,166/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$151,638 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,310
−HK$1,587/mo
▼ 0.25% · 3.875%
HK$26,097
−HK$800/mo
Today · 4.125%
HK$26,897
baseline
▲ 0.50% · 4.625%
HK$28,533
+HK$1,636/mo
Deposit HK$617K · loan HK$5.55M · min. income ≈ HK$53,794/mo (50% DSR)
Upfront cash ≈ HK$768K (deposit + AVD stamp duty HK$151,638 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,157
−HK$1,521/mo
▼ 0.25% · 3.875%
HK$28,912
−HK$766/mo
Today · 4.125%
HK$29,678
baseline
▲ 0.50% · 4.625%
HK$31,242
+HK$1,564/mo
Deposit HK$617K · loan HK$5.55M · min. income ≈ HK$59,356/mo (50% DSR)
Upfront cash ≈ HK$768K (deposit + AVD stamp duty HK$151,638 · 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).