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$14,068
−HK$882/mo
▼ 0.25% · 3.875%
HK$14,506
−HK$444/mo
Today · 4.125%
HK$14,950
baseline
▲ 0.50% · 4.625%
HK$15,860
+HK$910/mo
Deposit HK$3.08M · loan HK$3.08M · min. income ≈ HK$29,900/mo (50% DSR)
Upfront cash ≈ HK$3.24M (deposit + AVD stamp duty HK$151,956 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,651
−HK$845/mo
▼ 0.25% · 3.875%
HK$16,070
−HK$426/mo
Today · 4.125%
HK$16,496
baseline
▲ 0.50% · 4.625%
HK$17,366
+HK$870/mo
Deposit HK$3.08M · loan HK$3.08M · min. income ≈ HK$32,992/mo (50% DSR)
Upfront cash ≈ HK$3.24M (deposit + AVD stamp duty HK$151,956 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,882
−HK$1,058/mo
▼ 0.25% · 3.875%
HK$17,407
−HK$533/mo
Today · 4.125%
HK$17,940
baseline
▲ 0.50% · 4.625%
HK$19,032
+HK$1,092/mo
Deposit HK$2.47M · loan HK$3.70M · min. income ≈ HK$35,880/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$151,956 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,781
−HK$1,015/mo
▼ 0.25% · 3.875%
HK$19,285
−HK$511/mo
Today · 4.125%
HK$19,796
baseline
▲ 0.50% · 4.625%
HK$20,839
+HK$1,043/mo
Deposit HK$2.47M · loan HK$3.70M · min. income ≈ HK$39,592/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$151,956 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,695
−HK$1,236/mo
▼ 0.25% · 3.875%
HK$20,308
−HK$623/mo
Today · 4.125%
HK$20,931
baseline
▲ 0.50% · 4.625%
HK$22,204
+HK$1,273/mo
Deposit HK$1.85M · loan HK$4.32M · min. income ≈ HK$41,862/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$151,956 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,911
−HK$1,184/mo
▼ 0.25% · 3.875%
HK$22,499
−HK$596/mo
Today · 4.125%
HK$23,095
baseline
▲ 0.50% · 4.625%
HK$24,312
+HK$1,217/mo
Deposit HK$1.85M · loan HK$4.32M · min. income ≈ HK$46,190/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$151,956 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,323
−HK$1,588/mo
▼ 0.25% · 3.875%
HK$26,110
−HK$801/mo
Today · 4.125%
HK$26,911
baseline
▲ 0.50% · 4.625%
HK$28,548
+HK$1,637/mo
Deposit HK$617K · loan HK$5.55M · min. income ≈ HK$53,822/mo (50% DSR)
Upfront cash ≈ HK$769K (deposit + AVD stamp duty HK$151,956 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,171
−HK$1,522/mo
▼ 0.25% · 3.875%
HK$28,927
−HK$766/mo
Today · 4.125%
HK$29,693
baseline
▲ 0.50% · 4.625%
HK$31,258
+HK$1,565/mo
Deposit HK$617K · loan HK$5.55M · min. income ≈ HK$59,386/mo (50% DSR)
Upfront cash ≈ HK$769K (deposit + AVD stamp duty HK$151,956 · 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).