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$14,086
−HK$883/mo
▼ 0.25% · 3.875%
HK$14,524
−HK$445/mo
Today · 4.125%
HK$14,969
baseline
▲ 0.50% · 4.625%
HK$15,880
+HK$911/mo
Deposit HK$3.09M · loan HK$3.09M · min. income ≈ HK$29,938/mo (50% DSR)
Upfront cash ≈ HK$3.24M (deposit + AVD stamp duty HK$152,744 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,671
−HK$846/mo
▼ 0.25% · 3.875%
HK$16,091
−HK$426/mo
Today · 4.125%
HK$16,517
baseline
▲ 0.50% · 4.625%
HK$17,388
+HK$871/mo
Deposit HK$3.09M · loan HK$3.09M · min. income ≈ HK$33,034/mo (50% DSR)
Upfront cash ≈ HK$3.24M (deposit + AVD stamp duty HK$152,744 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,903
−HK$1,060/mo
▼ 0.25% · 3.875%
HK$17,429
−HK$534/mo
Today · 4.125%
HK$17,963
baseline
▲ 0.50% · 4.625%
HK$19,056
+HK$1,093/mo
Deposit HK$2.47M · loan HK$3.71M · min. income ≈ HK$35,926/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$152,744 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,805
−HK$1,016/mo
▼ 0.25% · 3.875%
HK$19,309
−HK$512/mo
Today · 4.125%
HK$19,821
baseline
▲ 0.50% · 4.625%
HK$20,866
+HK$1,045/mo
Deposit HK$2.47M · loan HK$3.71M · min. income ≈ HK$39,642/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$152,744 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,721
−HK$1,236/mo
▼ 0.25% · 3.875%
HK$20,334
−HK$623/mo
Today · 4.125%
HK$20,957
baseline
▲ 0.50% · 4.625%
HK$22,232
+HK$1,275/mo
Deposit HK$1.85M · loan HK$4.32M · min. income ≈ HK$41,914/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$152,744 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,939
−HK$1,185/mo
▼ 0.25% · 3.875%
HK$22,527
−HK$597/mo
Today · 4.125%
HK$23,124
baseline
▲ 0.50% · 4.625%
HK$24,343
+HK$1,219/mo
Deposit HK$1.85M · loan HK$4.32M · min. income ≈ HK$46,248/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$152,744 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,355
−HK$1,590/mo
▼ 0.25% · 3.875%
HK$26,144
−HK$801/mo
Today · 4.125%
HK$26,945
baseline
▲ 0.50% · 4.625%
HK$28,585
+HK$1,640/mo
Deposit HK$618K · loan HK$5.56M · min. income ≈ HK$53,890/mo (50% DSR)
Upfront cash ≈ HK$770K (deposit + AVD stamp duty HK$152,744 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,207
−HK$1,524/mo
▼ 0.25% · 3.875%
HK$28,964
−HK$767/mo
Today · 4.125%
HK$29,731
baseline
▲ 0.50% · 4.625%
HK$31,298
+HK$1,567/mo
Deposit HK$618K · loan HK$5.56M · min. income ≈ HK$59,462/mo (50% DSR)
Upfront cash ≈ HK$770K (deposit + AVD stamp duty HK$152,744 · 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).