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$14,097
−HK$883/mo
▼ 0.25% · 3.875%
HK$14,535
−HK$445/mo
Today · 4.125%
HK$14,980
baseline
▲ 0.50% · 4.625%
HK$15,892
+HK$912/mo
Deposit HK$3.09M · loan HK$3.09M · min. income ≈ HK$29,960/mo (50% DSR)
Upfront cash ≈ HK$3.24M (deposit + AVD stamp duty HK$153,199 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,682
−HK$847/mo
▼ 0.25% · 3.875%
HK$16,103
−HK$426/mo
Today · 4.125%
HK$16,529
baseline
▲ 0.50% · 4.625%
HK$17,401
+HK$872/mo
Deposit HK$3.09M · loan HK$3.09M · min. income ≈ HK$33,058/mo (50% DSR)
Upfront cash ≈ HK$3.24M (deposit + AVD stamp duty HK$153,199 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,916
−HK$1,061/mo
▼ 0.25% · 3.875%
HK$17,442
−HK$535/mo
Today · 4.125%
HK$17,977
baseline
▲ 0.50% · 4.625%
HK$19,070
+HK$1,093/mo
Deposit HK$2.47M · loan HK$3.71M · min. income ≈ HK$35,954/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$153,199 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,819
−HK$1,016/mo
▼ 0.25% · 3.875%
HK$19,323
−HK$512/mo
Today · 4.125%
HK$19,835
baseline
▲ 0.50% · 4.625%
HK$20,881
+HK$1,046/mo
Deposit HK$2.47M · loan HK$3.71M · min. income ≈ HK$39,670/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$153,199 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,735
−HK$1,238/mo
▼ 0.25% · 3.875%
HK$20,349
−HK$624/mo
Today · 4.125%
HK$20,973
baseline
▲ 0.50% · 4.625%
HK$22,249
+HK$1,276/mo
Deposit HK$1.85M · loan HK$4.33M · min. income ≈ HK$41,946/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$153,199 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,955
−HK$1,186/mo
▼ 0.25% · 3.875%
HK$22,544
−HK$597/mo
Today · 4.125%
HK$23,141
baseline
▲ 0.50% · 4.625%
HK$24,361
+HK$1,220/mo
Deposit HK$1.85M · loan HK$4.33M · min. income ≈ HK$46,282/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$153,199 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,374
−HK$1,591/mo
▼ 0.25% · 3.875%
HK$26,163
−HK$802/mo
Today · 4.125%
HK$26,965
baseline
▲ 0.50% · 4.625%
HK$28,606
+HK$1,641/mo
Deposit HK$618K · loan HK$5.56M · min. income ≈ HK$53,930/mo (50% DSR)
Upfront cash ≈ HK$771K (deposit + AVD stamp duty HK$153,199 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,228
−HK$1,525/mo
▼ 0.25% · 3.875%
HK$28,985
−HK$768/mo
Today · 4.125%
HK$29,753
baseline
▲ 0.50% · 4.625%
HK$31,321
+HK$1,568/mo
Deposit HK$618K · loan HK$5.56M · min. income ≈ HK$59,506/mo (50% DSR)
Upfront cash ≈ HK$771K (deposit + AVD stamp duty HK$153,199 · 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).