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$14,091
−HK$884/mo
▼ 0.25% · 3.875%
HK$14,529
−HK$446/mo
Today · 4.125%
HK$14,975
baseline
▲ 0.50% · 4.625%
HK$15,886
+HK$911/mo
Deposit HK$3.09M · loan HK$3.09M · min. income ≈ HK$29,950/mo (50% DSR)
Upfront cash ≈ HK$3.24M (deposit + AVD stamp duty HK$152,958 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,676
−HK$847/mo
▼ 0.25% · 3.875%
HK$16,097
−HK$426/mo
Today · 4.125%
HK$16,523
baseline
▲ 0.50% · 4.625%
HK$17,394
+HK$871/mo
Deposit HK$3.09M · loan HK$3.09M · min. income ≈ HK$33,046/mo (50% DSR)
Upfront cash ≈ HK$3.24M (deposit + AVD stamp duty HK$152,958 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,909
−HK$1,061/mo
▼ 0.25% · 3.875%
HK$17,435
−HK$535/mo
Today · 4.125%
HK$17,970
baseline
▲ 0.50% · 4.625%
HK$19,063
+HK$1,093/mo
Deposit HK$2.47M · loan HK$3.71M · min. income ≈ HK$35,940/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$152,958 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,811
−HK$1,017/mo
▼ 0.25% · 3.875%
HK$19,316
−HK$512/mo
Today · 4.125%
HK$19,828
baseline
▲ 0.50% · 4.625%
HK$20,873
+HK$1,045/mo
Deposit HK$2.47M · loan HK$3.71M · min. income ≈ HK$39,656/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$152,958 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,727
−HK$1,238/mo
▼ 0.25% · 3.875%
HK$20,341
−HK$624/mo
Today · 4.125%
HK$20,965
baseline
▲ 0.50% · 4.625%
HK$22,240
+HK$1,275/mo
Deposit HK$1.85M · loan HK$4.33M · min. income ≈ HK$41,930/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$152,958 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,947
−HK$1,185/mo
▼ 0.25% · 3.875%
HK$22,535
−HK$597/mo
Today · 4.125%
HK$23,132
baseline
▲ 0.50% · 4.625%
HK$24,352
+HK$1,220/mo
Deposit HK$1.85M · loan HK$4.33M · min. income ≈ HK$46,264/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$152,958 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,364
−HK$1,590/mo
▼ 0.25% · 3.875%
HK$26,153
−HK$801/mo
Today · 4.125%
HK$26,954
baseline
▲ 0.50% · 4.625%
HK$28,594
+HK$1,640/mo
Deposit HK$618K · loan HK$5.56M · min. income ≈ HK$53,908/mo (50% DSR)
Upfront cash ≈ HK$771K (deposit + AVD stamp duty HK$152,958 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,217
−HK$1,525/mo
▼ 0.25% · 3.875%
HK$28,974
−HK$768/mo
Today · 4.125%
HK$29,742
baseline
▲ 0.50% · 4.625%
HK$31,309
+HK$1,567/mo
Deposit HK$618K · loan HK$5.56M · min. income ≈ HK$59,484/mo (50% DSR)
Upfront cash ≈ HK$771K (deposit + AVD stamp duty HK$152,958 · 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).