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$14,094
−HK$884/mo
▼ 0.25% · 3.875%
HK$14,532
−HK$446/mo
Today · 4.125%
HK$14,978
baseline
▲ 0.50% · 4.625%
HK$15,889
+HK$911/mo
Deposit HK$3.09M · loan HK$3.09M · min. income ≈ HK$29,956/mo (50% DSR)
Upfront cash ≈ HK$3.24M (deposit + AVD stamp duty HK$153,082 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,679
−HK$847/mo
▼ 0.25% · 3.875%
HK$16,100
−HK$426/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$153,082 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,913
−HK$1,060/mo
▼ 0.25% · 3.875%
HK$17,439
−HK$534/mo
Today · 4.125%
HK$17,973
baseline
▲ 0.50% · 4.625%
HK$19,067
+HK$1,094/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$153,082 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,815
−HK$1,017/mo
▼ 0.25% · 3.875%
HK$19,320
−HK$512/mo
Today · 4.125%
HK$19,832
baseline
▲ 0.50% · 4.625%
HK$20,877
+HK$1,045/mo
Deposit HK$2.47M · loan HK$3.71M · min. income ≈ HK$39,664/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$153,082 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,731
−HK$1,238/mo
▼ 0.25% · 3.875%
HK$20,345
−HK$624/mo
Today · 4.125%
HK$20,969
baseline
▲ 0.50% · 4.625%
HK$22,245
+HK$1,276/mo
Deposit HK$1.85M · loan HK$4.33M · min. income ≈ HK$41,938/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$153,082 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,951
−HK$1,186/mo
▼ 0.25% · 3.875%
HK$22,540
−HK$597/mo
Today · 4.125%
HK$23,137
baseline
▲ 0.50% · 4.625%
HK$24,356
+HK$1,219/mo
Deposit HK$1.85M · loan HK$4.33M · min. income ≈ HK$46,274/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$153,082 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,369
−HK$1,591/mo
▼ 0.25% · 3.875%
HK$26,158
−HK$802/mo
Today · 4.125%
HK$26,960
baseline
▲ 0.50% · 4.625%
HK$28,600
+HK$1,640/mo
Deposit HK$618K · loan HK$5.56M · min. income ≈ HK$53,920/mo (50% DSR)
Upfront cash ≈ HK$771K (deposit + AVD stamp duty HK$153,082 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,223
−HK$1,524/mo
▼ 0.25% · 3.875%
HK$28,980
−HK$767/mo
Today · 4.125%
HK$29,747
baseline
▲ 0.50% · 4.625%
HK$31,315
+HK$1,568/mo
Deposit HK$618K · loan HK$5.56M · min. income ≈ HK$59,494/mo (50% DSR)
Upfront cash ≈ HK$771K (deposit + AVD stamp duty HK$153,082 · 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).