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$14,065
−HK$882/mo
▼ 0.25% · 3.875%
HK$14,502
−HK$445/mo
Today · 4.125%
HK$14,947
baseline
▲ 0.50% · 4.625%
HK$15,856
+HK$909/mo
Deposit HK$3.08M · loan HK$3.08M · min. income ≈ HK$29,894/mo (50% DSR)
Upfront cash ≈ HK$3.24M (deposit + AVD stamp duty HK$151,805 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,647
−HK$845/mo
▼ 0.25% · 3.875%
HK$16,067
−HK$425/mo
Today · 4.125%
HK$16,492
baseline
▲ 0.50% · 4.625%
HK$17,362
+HK$870/mo
Deposit HK$3.08M · loan HK$3.08M · min. income ≈ HK$32,984/mo (50% DSR)
Upfront cash ≈ HK$3.24M (deposit + AVD stamp duty HK$151,805 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,878
−HK$1,058/mo
▼ 0.25% · 3.875%
HK$17,403
−HK$533/mo
Today · 4.125%
HK$17,936
baseline
▲ 0.50% · 4.625%
HK$19,027
+HK$1,091/mo
Deposit HK$2.47M · loan HK$3.70M · min. income ≈ HK$35,872/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$151,805 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,776
−HK$1,015/mo
▼ 0.25% · 3.875%
HK$19,280
−HK$511/mo
Today · 4.125%
HK$19,791
baseline
▲ 0.50% · 4.625%
HK$20,834
+HK$1,043/mo
Deposit HK$2.47M · loan HK$3.70M · min. income ≈ HK$39,582/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$151,805 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,691
−HK$1,234/mo
▼ 0.25% · 3.875%
HK$20,303
−HK$622/mo
Today · 4.125%
HK$20,925
baseline
▲ 0.50% · 4.625%
HK$22,199
+HK$1,274/mo
Deposit HK$1.85M · loan HK$4.32M · min. income ≈ HK$41,850/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$151,805 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,906
−HK$1,183/mo
▼ 0.25% · 3.875%
HK$22,493
−HK$596/mo
Today · 4.125%
HK$23,089
baseline
▲ 0.50% · 4.625%
HK$24,306
+HK$1,217/mo
Deposit HK$1.85M · loan HK$4.32M · min. income ≈ HK$46,178/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$151,805 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,317
−HK$1,587/mo
▼ 0.25% · 3.875%
HK$26,104
−HK$800/mo
Today · 4.125%
HK$26,904
baseline
▲ 0.50% · 4.625%
HK$28,541
+HK$1,637/mo
Deposit HK$617K · loan HK$5.55M · min. income ≈ HK$53,808/mo (50% DSR)
Upfront cash ≈ HK$769K (deposit + AVD stamp duty HK$151,805 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,164
−HK$1,522/mo
▼ 0.25% · 3.875%
HK$28,920
−HK$766/mo
Today · 4.125%
HK$29,686
baseline
▲ 0.50% · 4.625%
HK$31,251
+HK$1,565/mo
Deposit HK$617K · loan HK$5.55M · min. income ≈ HK$59,372/mo (50% DSR)
Upfront cash ≈ HK$769K (deposit + AVD stamp duty HK$151,805 · 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).