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$14,093
−HK$884/mo
▼ 0.25% · 3.875%
HK$14,532
−HK$445/mo
Today · 4.125%
HK$14,977
baseline
▲ 0.50% · 4.625%
HK$15,888
+HK$911/mo
Deposit HK$3.09M · loan HK$3.09M · min. income ≈ HK$29,954/mo (50% DSR)
Upfront cash ≈ HK$3.24M (deposit + AVD stamp duty HK$153,061 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,679
−HK$847/mo
▼ 0.25% · 3.875%
HK$16,099
−HK$427/mo
Today · 4.125%
HK$16,526
baseline
▲ 0.50% · 4.625%
HK$17,397
+HK$871/mo
Deposit HK$3.09M · loan HK$3.09M · min. income ≈ HK$33,052/mo (50% DSR)
Upfront cash ≈ HK$3.24M (deposit + AVD stamp duty HK$153,061 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,912
−HK$1,061/mo
▼ 0.25% · 3.875%
HK$17,438
−HK$535/mo
Today · 4.125%
HK$17,973
baseline
▲ 0.50% · 4.625%
HK$19,066
+HK$1,093/mo
Deposit HK$2.47M · loan HK$3.71M · min. income ≈ HK$35,946/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$153,061 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,814
−HK$1,017/mo
▼ 0.25% · 3.875%
HK$19,319
−HK$512/mo
Today · 4.125%
HK$19,831
baseline
▲ 0.50% · 4.625%
HK$20,876
+HK$1,045/mo
Deposit HK$2.47M · loan HK$3.71M · min. income ≈ HK$39,662/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$153,061 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,731
−HK$1,237/mo
▼ 0.25% · 3.875%
HK$20,344
−HK$624/mo
Today · 4.125%
HK$20,968
baseline
▲ 0.50% · 4.625%
HK$22,244
+HK$1,276/mo
Deposit HK$1.85M · loan HK$4.33M · min. income ≈ HK$41,936/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$153,061 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,950
−HK$1,186/mo
▼ 0.25% · 3.875%
HK$22,539
−HK$597/mo
Today · 4.125%
HK$23,136
baseline
▲ 0.50% · 4.625%
HK$24,356
+HK$1,220/mo
Deposit HK$1.85M · loan HK$4.33M · min. income ≈ HK$46,272/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$153,061 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,368
−HK$1,591/mo
▼ 0.25% · 3.875%
HK$26,157
−HK$802/mo
Today · 4.125%
HK$26,959
baseline
▲ 0.50% · 4.625%
HK$28,599
+HK$1,640/mo
Deposit HK$618K · loan HK$5.56M · min. income ≈ HK$53,918/mo (50% DSR)
Upfront cash ≈ HK$771K (deposit + AVD stamp duty HK$153,061 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,222
−HK$1,524/mo
▼ 0.25% · 3.875%
HK$28,979
−HK$767/mo
Today · 4.125%
HK$29,746
baseline
▲ 0.50% · 4.625%
HK$31,314
+HK$1,568/mo
Deposit HK$618K · loan HK$5.56M · min. income ≈ HK$59,492/mo (50% DSR)
Upfront cash ≈ HK$771K (deposit + AVD stamp duty HK$153,061 · 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).