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$14,052
−HK$881/mo
▼ 0.25% · 3.875%
HK$14,489
−HK$444/mo
Today · 4.125%
HK$14,933
baseline
▲ 0.50% · 4.625%
HK$15,842
+HK$909/mo
Deposit HK$3.08M · loan HK$3.08M · min. income ≈ HK$29,866/mo (50% DSR)
Upfront cash ≈ HK$3.23M (deposit + AVD stamp duty HK$151,252 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,633
−HK$844/mo
▼ 0.25% · 3.875%
HK$16,052
−HK$425/mo
Today · 4.125%
HK$16,477
baseline
▲ 0.50% · 4.625%
HK$17,346
+HK$869/mo
Deposit HK$3.08M · loan HK$3.08M · min. income ≈ HK$32,954/mo (50% DSR)
Upfront cash ≈ HK$3.23M (deposit + AVD stamp duty HK$151,252 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,863
−HK$1,057/mo
▼ 0.25% · 3.875%
HK$17,387
−HK$533/mo
Today · 4.125%
HK$17,920
baseline
▲ 0.50% · 4.625%
HK$19,010
+HK$1,090/mo
Deposit HK$2.47M · loan HK$3.70M · min. income ≈ HK$35,840/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$151,252 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,759
−HK$1,014/mo
▼ 0.25% · 3.875%
HK$19,263
−HK$510/mo
Today · 4.125%
HK$19,773
baseline
▲ 0.50% · 4.625%
HK$20,815
+HK$1,042/mo
Deposit HK$2.47M · loan HK$3.70M · min. income ≈ HK$39,546/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$151,252 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,673
−HK$1,234/mo
▼ 0.25% · 3.875%
HK$20,285
−HK$622/mo
Today · 4.125%
HK$20,907
baseline
▲ 0.50% · 4.625%
HK$22,179
+HK$1,272/mo
Deposit HK$1.85M · loan HK$4.31M · min. income ≈ HK$41,814/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$151,252 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,886
−HK$1,182/mo
▼ 0.25% · 3.875%
HK$22,473
−HK$595/mo
Today · 4.125%
HK$23,068
baseline
▲ 0.50% · 4.625%
HK$24,284
+HK$1,216/mo
Deposit HK$1.85M · loan HK$4.31M · min. income ≈ HK$46,136/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$151,252 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,294
−HK$1,586/mo
▼ 0.25% · 3.875%
HK$26,081
−HK$799/mo
Today · 4.125%
HK$26,880
baseline
▲ 0.50% · 4.625%
HK$28,516
+HK$1,636/mo
Deposit HK$616K · loan HK$5.55M · min. income ≈ HK$53,760/mo (50% DSR)
Upfront cash ≈ HK$768K (deposit + AVD stamp duty HK$151,252 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,139
−HK$1,520/mo
▼ 0.25% · 3.875%
HK$28,894
−HK$765/mo
Today · 4.125%
HK$29,659
baseline
▲ 0.50% · 4.625%
HK$31,223
+HK$1,564/mo
Deposit HK$616K · loan HK$5.55M · min. income ≈ HK$59,318/mo (50% DSR)
Upfront cash ≈ HK$768K (deposit + AVD stamp duty HK$151,252 · 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).