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$14,084
−HK$883/mo
▼ 0.25% · 3.875%
HK$14,522
−HK$445/mo
Today · 4.125%
HK$14,967
baseline
▲ 0.50% · 4.625%
HK$15,878
+HK$911/mo
Deposit HK$3.09M · loan HK$3.09M · min. income ≈ HK$29,934/mo (50% DSR)
Upfront cash ≈ HK$3.24M (deposit + AVD stamp duty HK$152,651 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,668
−HK$847/mo
▼ 0.25% · 3.875%
HK$16,089
−HK$426/mo
Today · 4.125%
HK$16,515
baseline
▲ 0.50% · 4.625%
HK$17,385
+HK$870/mo
Deposit HK$3.09M · loan HK$3.09M · min. income ≈ HK$33,030/mo (50% DSR)
Upfront cash ≈ HK$3.24M (deposit + AVD stamp duty HK$152,651 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,901
−HK$1,060/mo
▼ 0.25% · 3.875%
HK$17,427
−HK$534/mo
Today · 4.125%
HK$17,961
baseline
▲ 0.50% · 4.625%
HK$19,054
+HK$1,093/mo
Deposit HK$2.47M · loan HK$3.71M · min. income ≈ HK$35,922/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$152,651 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,802
−HK$1,016/mo
▼ 0.25% · 3.875%
HK$19,306
−HK$512/mo
Today · 4.125%
HK$19,818
baseline
▲ 0.50% · 4.625%
HK$20,862
+HK$1,044/mo
Deposit HK$2.47M · loan HK$3.71M · min. income ≈ HK$39,636/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$152,651 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,718
−HK$1,236/mo
▼ 0.25% · 3.875%
HK$20,331
−HK$623/mo
Today · 4.125%
HK$20,954
baseline
▲ 0.50% · 4.625%
HK$22,229
+HK$1,275/mo
Deposit HK$1.85M · loan HK$4.32M · min. income ≈ HK$41,908/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$152,651 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,936
−HK$1,185/mo
▼ 0.25% · 3.875%
HK$22,524
−HK$597/mo
Today · 4.125%
HK$23,121
baseline
▲ 0.50% · 4.625%
HK$24,339
+HK$1,218/mo
Deposit HK$1.85M · loan HK$4.32M · min. income ≈ HK$46,242/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$152,651 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,351
−HK$1,590/mo
▼ 0.25% · 3.875%
HK$26,140
−HK$801/mo
Today · 4.125%
HK$26,941
baseline
▲ 0.50% · 4.625%
HK$28,580
+HK$1,639/mo
Deposit HK$618K · loan HK$5.56M · min. income ≈ HK$53,882/mo (50% DSR)
Upfront cash ≈ HK$770K (deposit + AVD stamp duty HK$152,651 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,203
−HK$1,524/mo
▼ 0.25% · 3.875%
HK$28,959
−HK$768/mo
Today · 4.125%
HK$29,727
baseline
▲ 0.50% · 4.625%
HK$31,294
+HK$1,567/mo
Deposit HK$618K · loan HK$5.56M · min. income ≈ HK$59,454/mo (50% DSR)
Upfront cash ≈ HK$770K (deposit + AVD stamp duty HK$152,651 · 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).