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$14,074
−HK$882/mo
▼ 0.25% · 3.875%
HK$14,511
−HK$445/mo
Today · 4.125%
HK$14,956
baseline
▲ 0.50% · 4.625%
HK$15,866
+HK$910/mo
Deposit HK$3.09M · loan HK$3.09M · min. income ≈ HK$29,912/mo (50% DSR)
Upfront cash ≈ HK$3.24M (deposit + AVD stamp duty HK$152,191 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,657
−HK$846/mo
▼ 0.25% · 3.875%
HK$16,077
−HK$426/mo
Today · 4.125%
HK$16,503
baseline
▲ 0.50% · 4.625%
HK$17,372
+HK$869/mo
Deposit HK$3.09M · loan HK$3.09M · min. income ≈ HK$33,006/mo (50% DSR)
Upfront cash ≈ HK$3.24M (deposit + AVD stamp duty HK$152,191 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,888
−HK$1,059/mo
▼ 0.25% · 3.875%
HK$17,414
−HK$533/mo
Today · 4.125%
HK$17,947
baseline
▲ 0.50% · 4.625%
HK$19,039
+HK$1,092/mo
Deposit HK$2.47M · loan HK$3.70M · min. income ≈ HK$35,894/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$152,191 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,788
−HK$1,015/mo
▼ 0.25% · 3.875%
HK$19,292
−HK$511/mo
Today · 4.125%
HK$19,803
baseline
▲ 0.50% · 4.625%
HK$20,847
+HK$1,044/mo
Deposit HK$2.47M · loan HK$3.70M · min. income ≈ HK$39,606/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$152,191 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,703
−HK$1,235/mo
▼ 0.25% · 3.875%
HK$20,316
−HK$622/mo
Today · 4.125%
HK$20,938
baseline
▲ 0.50% · 4.625%
HK$22,213
+HK$1,275/mo
Deposit HK$1.85M · loan HK$4.32M · min. income ≈ HK$41,876/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$152,191 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,919
−HK$1,185/mo
▼ 0.25% · 3.875%
HK$22,507
−HK$597/mo
Today · 4.125%
HK$23,104
baseline
▲ 0.50% · 4.625%
HK$24,321
+HK$1,217/mo
Deposit HK$1.85M · loan HK$4.32M · min. income ≈ HK$46,208/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$152,191 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,332
−HK$1,589/mo
▼ 0.25% · 3.875%
HK$26,120
−HK$801/mo
Today · 4.125%
HK$26,921
baseline
▲ 0.50% · 4.625%
HK$28,559
+HK$1,638/mo
Deposit HK$617K · loan HK$5.55M · min. income ≈ HK$53,842/mo (50% DSR)
Upfront cash ≈ HK$769K (deposit + AVD stamp duty HK$152,191 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,182
−HK$1,523/mo
▼ 0.25% · 3.875%
HK$28,938
−HK$767/mo
Today · 4.125%
HK$29,705
baseline
▲ 0.50% · 4.625%
HK$31,270
+HK$1,565/mo
Deposit HK$617K · loan HK$5.55M · min. income ≈ HK$59,410/mo (50% DSR)
Upfront cash ≈ HK$769K (deposit + AVD stamp duty HK$152,191 · 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).