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$14,048
−HK$881/mo
▼ 0.25% · 3.875%
HK$14,485
−HK$444/mo
Today · 4.125%
HK$14,929
baseline
▲ 0.50% · 4.625%
HK$15,837
+HK$908/mo
Deposit HK$3.08M · loan HK$3.08M · min. income ≈ HK$29,858/mo (50% DSR)
Upfront cash ≈ HK$3.23M (deposit + AVD stamp duty HK$151,062 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,628
−HK$844/mo
▼ 0.25% · 3.875%
HK$16,047
−HK$425/mo
Today · 4.125%
HK$16,472
baseline
▲ 0.50% · 4.625%
HK$17,341
+HK$869/mo
Deposit HK$3.08M · loan HK$3.08M · min. income ≈ HK$32,944/mo (50% DSR)
Upfront cash ≈ HK$3.23M (deposit + AVD stamp duty HK$151,062 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,857
−HK$1,057/mo
▼ 0.25% · 3.875%
HK$17,382
−HK$532/mo
Today · 4.125%
HK$17,914
baseline
▲ 0.50% · 4.625%
HK$19,004
+HK$1,090/mo
Deposit HK$2.46M · loan HK$3.70M · min. income ≈ HK$35,828/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$151,062 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,754
−HK$1,013/mo
▼ 0.25% · 3.875%
HK$19,257
−HK$510/mo
Today · 4.125%
HK$19,767
baseline
▲ 0.50% · 4.625%
HK$20,809
+HK$1,042/mo
Deposit HK$2.46M · loan HK$3.70M · min. income ≈ HK$39,534/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$151,062 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,667
−HK$1,233/mo
▼ 0.25% · 3.875%
HK$20,279
−HK$621/mo
Today · 4.125%
HK$20,900
baseline
▲ 0.50% · 4.625%
HK$22,172
+HK$1,272/mo
Deposit HK$1.85M · loan HK$4.31M · min. income ≈ HK$41,800/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$151,062 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,879
−HK$1,182/mo
▼ 0.25% · 3.875%
HK$22,466
−HK$595/mo
Today · 4.125%
HK$23,061
baseline
▲ 0.50% · 4.625%
HK$24,277
+HK$1,216/mo
Deposit HK$1.85M · loan HK$4.31M · min. income ≈ HK$46,122/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$151,062 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,286
−HK$1,586/mo
▼ 0.25% · 3.875%
HK$26,073
−HK$799/mo
Today · 4.125%
HK$26,872
baseline
▲ 0.50% · 4.625%
HK$28,507
+HK$1,635/mo
Deposit HK$616K · loan HK$5.54M · min. income ≈ HK$53,744/mo (50% DSR)
Upfront cash ≈ HK$767K (deposit + AVD stamp duty HK$151,062 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,130
−HK$1,520/mo
▼ 0.25% · 3.875%
HK$28,885
−HK$765/mo
Today · 4.125%
HK$29,650
baseline
▲ 0.50% · 4.625%
HK$31,213
+HK$1,563/mo
Deposit HK$616K · loan HK$5.54M · min. income ≈ HK$59,300/mo (50% DSR)
Upfront cash ≈ HK$767K (deposit + AVD stamp duty HK$151,062 · 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).