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$14,072
−HK$883/mo
▼ 0.25% · 3.875%
HK$14,510
−HK$445/mo
Today · 4.125%
HK$14,955
baseline
▲ 0.50% · 4.625%
HK$15,865
+HK$910/mo
Deposit HK$3.09M · loan HK$3.09M · min. income ≈ HK$29,910/mo (50% DSR)
Upfront cash ≈ HK$3.24M (deposit + AVD stamp duty HK$152,141 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,655
−HK$846/mo
▼ 0.25% · 3.875%
HK$16,075
−HK$426/mo
Today · 4.125%
HK$16,501
baseline
▲ 0.50% · 4.625%
HK$17,371
+HK$870/mo
Deposit HK$3.09M · loan HK$3.09M · min. income ≈ HK$33,002/mo (50% DSR)
Upfront cash ≈ HK$3.24M (deposit + AVD stamp duty HK$152,141 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,887
−HK$1,059/mo
▼ 0.25% · 3.875%
HK$17,412
−HK$534/mo
Today · 4.125%
HK$17,946
baseline
▲ 0.50% · 4.625%
HK$19,038
+HK$1,092/mo
Deposit HK$2.47M · loan HK$3.70M · min. income ≈ HK$35,892/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$152,141 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,786
−HK$1,015/mo
▼ 0.25% · 3.875%
HK$19,290
−HK$511/mo
Today · 4.125%
HK$19,801
baseline
▲ 0.50% · 4.625%
HK$20,845
+HK$1,044/mo
Deposit HK$2.47M · loan HK$3.70M · min. income ≈ HK$39,602/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$152,141 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,701
−HK$1,236/mo
▼ 0.25% · 3.875%
HK$20,314
−HK$623/mo
Today · 4.125%
HK$20,937
baseline
▲ 0.50% · 4.625%
HK$22,211
+HK$1,274/mo
Deposit HK$1.85M · loan HK$4.32M · min. income ≈ HK$41,874/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$152,141 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,918
−HK$1,184/mo
▼ 0.25% · 3.875%
HK$22,505
−HK$597/mo
Today · 4.125%
HK$23,102
baseline
▲ 0.50% · 4.625%
HK$24,319
+HK$1,217/mo
Deposit HK$1.85M · loan HK$4.32M · min. income ≈ HK$46,204/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$152,141 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,330
−HK$1,589/mo
▼ 0.25% · 3.875%
HK$26,118
−HK$801/mo
Today · 4.125%
HK$26,919
baseline
▲ 0.50% · 4.625%
HK$28,557
+HK$1,638/mo
Deposit HK$617K · loan HK$5.55M · min. income ≈ HK$53,838/mo (50% DSR)
Upfront cash ≈ HK$769K (deposit + AVD stamp duty HK$152,141 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,180
−HK$1,522/mo
▼ 0.25% · 3.875%
HK$28,935
−HK$767/mo
Today · 4.125%
HK$29,702
baseline
▲ 0.50% · 4.625%
HK$31,268
+HK$1,566/mo
Deposit HK$617K · loan HK$5.55M · min. income ≈ HK$59,404/mo (50% DSR)
Upfront cash ≈ HK$769K (deposit + AVD stamp duty HK$152,141 · 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).