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$14,070
−HK$883/mo
▼ 0.25% · 3.875%
HK$14,508
−HK$445/mo
Today · 4.125%
HK$14,953
baseline
▲ 0.50% · 4.625%
HK$15,863
+HK$910/mo
Deposit HK$3.09M · loan HK$3.09M · min. income ≈ HK$29,906/mo (50% DSR)
Upfront cash ≈ HK$3.24M (deposit + AVD stamp duty HK$152,052 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,653
−HK$846/mo
▼ 0.25% · 3.875%
HK$16,073
−HK$426/mo
Today · 4.125%
HK$16,499
baseline
▲ 0.50% · 4.625%
HK$17,368
+HK$869/mo
Deposit HK$3.09M · loan HK$3.09M · min. income ≈ HK$32,998/mo (50% DSR)
Upfront cash ≈ HK$3.24M (deposit + AVD stamp duty HK$152,052 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,884
−HK$1,059/mo
▼ 0.25% · 3.875%
HK$17,410
−HK$533/mo
Today · 4.125%
HK$17,943
baseline
▲ 0.50% · 4.625%
HK$19,035
+HK$1,092/mo
Deposit HK$2.47M · loan HK$3.70M · min. income ≈ HK$35,886/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$152,052 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,784
−HK$1,015/mo
▼ 0.25% · 3.875%
HK$19,288
−HK$511/mo
Today · 4.125%
HK$19,799
baseline
▲ 0.50% · 4.625%
HK$20,842
+HK$1,043/mo
Deposit HK$2.47M · loan HK$3.70M · min. income ≈ HK$39,598/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$152,052 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,698
−HK$1,236/mo
▼ 0.25% · 3.875%
HK$20,311
−HK$623/mo
Today · 4.125%
HK$20,934
baseline
▲ 0.50% · 4.625%
HK$22,208
+HK$1,274/mo
Deposit HK$1.85M · loan HK$4.32M · min. income ≈ HK$41,868/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$152,052 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,914
−HK$1,184/mo
▼ 0.25% · 3.875%
HK$22,502
−HK$596/mo
Today · 4.125%
HK$23,098
baseline
▲ 0.50% · 4.625%
HK$24,316
+HK$1,218/mo
Deposit HK$1.85M · loan HK$4.32M · min. income ≈ HK$46,196/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$152,052 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,327
−HK$1,588/mo
▼ 0.25% · 3.875%
HK$26,114
−HK$801/mo
Today · 4.125%
HK$26,915
baseline
▲ 0.50% · 4.625%
HK$28,553
+HK$1,638/mo
Deposit HK$617K · loan HK$5.55M · min. income ≈ HK$53,830/mo (50% DSR)
Upfront cash ≈ HK$769K (deposit + AVD stamp duty HK$152,052 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,176
−HK$1,522/mo
▼ 0.25% · 3.875%
HK$28,931
−HK$767/mo
Today · 4.125%
HK$29,698
baseline
▲ 0.50% · 4.625%
HK$31,263
+HK$1,565/mo
Deposit HK$617K · loan HK$5.55M · min. income ≈ HK$59,396/mo (50% DSR)
Upfront cash ≈ HK$769K (deposit + AVD stamp duty HK$152,052 · 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).