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$14,062
−HK$882/mo
▼ 0.25% · 3.875%
HK$14,499
−HK$445/mo
Today · 4.125%
HK$14,944
baseline
▲ 0.50% · 4.625%
HK$15,853
+HK$909/mo
Deposit HK$3.08M · loan HK$3.08M · min. income ≈ HK$29,888/mo (50% DSR)
Upfront cash ≈ HK$3.24M (deposit + AVD stamp duty HK$151,685 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,644
−HK$845/mo
▼ 0.25% · 3.875%
HK$16,063
−HK$426/mo
Today · 4.125%
HK$16,489
baseline
▲ 0.50% · 4.625%
HK$17,358
+HK$869/mo
Deposit HK$3.08M · loan HK$3.08M · min. income ≈ HK$32,978/mo (50% DSR)
Upfront cash ≈ HK$3.24M (deposit + AVD stamp duty HK$151,685 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,874
−HK$1,059/mo
▼ 0.25% · 3.875%
HK$17,399
−HK$534/mo
Today · 4.125%
HK$17,933
baseline
▲ 0.50% · 4.625%
HK$19,024
+HK$1,091/mo
Deposit HK$2.47M · loan HK$3.70M · min. income ≈ HK$35,866/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$151,685 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,773
−HK$1,014/mo
▼ 0.25% · 3.875%
HK$19,276
−HK$511/mo
Today · 4.125%
HK$19,787
baseline
▲ 0.50% · 4.625%
HK$20,830
+HK$1,043/mo
Deposit HK$2.47M · loan HK$3.70M · min. income ≈ HK$39,574/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$151,685 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,687
−HK$1,234/mo
▼ 0.25% · 3.875%
HK$20,299
−HK$622/mo
Today · 4.125%
HK$20,921
baseline
▲ 0.50% · 4.625%
HK$22,194
+HK$1,273/mo
Deposit HK$1.85M · loan HK$4.32M · min. income ≈ HK$41,842/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$151,685 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,901
−HK$1,184/mo
▼ 0.25% · 3.875%
HK$22,489
−HK$596/mo
Today · 4.125%
HK$23,085
baseline
▲ 0.50% · 4.625%
HK$24,301
+HK$1,216/mo
Deposit HK$1.85M · loan HK$4.32M · min. income ≈ HK$46,170/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$151,685 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,312
−HK$1,587/mo
▼ 0.25% · 3.875%
HK$26,099
−HK$800/mo
Today · 4.125%
HK$26,899
baseline
▲ 0.50% · 4.625%
HK$28,536
+HK$1,637/mo
Deposit HK$617K · loan HK$5.55M · min. income ≈ HK$53,798/mo (50% DSR)
Upfront cash ≈ HK$768K (deposit + AVD stamp duty HK$151,685 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,159
−HK$1,521/mo
▼ 0.25% · 3.875%
HK$28,914
−HK$766/mo
Today · 4.125%
HK$29,680
baseline
▲ 0.50% · 4.625%
HK$31,245
+HK$1,565/mo
Deposit HK$617K · loan HK$5.55M · min. income ≈ HK$59,360/mo (50% DSR)
Upfront cash ≈ HK$768K (deposit + AVD stamp duty HK$151,685 · 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).