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$14,060
−HK$882/mo
▼ 0.25% · 3.875%
HK$14,498
−HK$444/mo
Today · 4.125%
HK$14,942
baseline
▲ 0.50% · 4.625%
HK$15,851
+HK$909/mo
Deposit HK$3.08M · loan HK$3.08M · min. income ≈ HK$29,884/mo (50% DSR)
Upfront cash ≈ HK$3.23M (deposit + AVD stamp duty HK$151,614 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,642
−HK$845/mo
▼ 0.25% · 3.875%
HK$16,062
−HK$425/mo
Today · 4.125%
HK$16,487
baseline
▲ 0.50% · 4.625%
HK$17,356
+HK$869/mo
Deposit HK$3.08M · loan HK$3.08M · min. income ≈ HK$32,974/mo (50% DSR)
Upfront cash ≈ HK$3.23M (deposit + AVD stamp duty HK$151,614 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,872
−HK$1,058/mo
▼ 0.25% · 3.875%
HK$17,397
−HK$533/mo
Today · 4.125%
HK$17,930
baseline
▲ 0.50% · 4.625%
HK$19,022
+HK$1,092/mo
Deposit HK$2.47M · loan HK$3.70M · min. income ≈ HK$35,860/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$151,614 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,770
−HK$1,015/mo
▼ 0.25% · 3.875%
HK$19,274
−HK$511/mo
Today · 4.125%
HK$19,785
baseline
▲ 0.50% · 4.625%
HK$20,827
+HK$1,042/mo
Deposit HK$2.47M · loan HK$3.70M · min. income ≈ HK$39,570/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$151,614 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,685
−HK$1,234/mo
▼ 0.25% · 3.875%
HK$20,297
−HK$622/mo
Today · 4.125%
HK$20,919
baseline
▲ 0.50% · 4.625%
HK$22,192
+HK$1,273/mo
Deposit HK$1.85M · loan HK$4.32M · min. income ≈ HK$41,838/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$151,614 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,899
−HK$1,183/mo
▼ 0.25% · 3.875%
HK$22,486
−HK$596/mo
Today · 4.125%
HK$23,082
baseline
▲ 0.50% · 4.625%
HK$24,299
+HK$1,217/mo
Deposit HK$1.85M · loan HK$4.32M · min. income ≈ HK$46,164/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$151,614 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,309
−HK$1,587/mo
▼ 0.25% · 3.875%
HK$26,096
−HK$800/mo
Today · 4.125%
HK$26,896
baseline
▲ 0.50% · 4.625%
HK$28,532
+HK$1,636/mo
Deposit HK$617K · loan HK$5.55M · min. income ≈ HK$53,792/mo (50% DSR)
Upfront cash ≈ HK$768K (deposit + AVD stamp duty HK$151,614 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,156
−HK$1,521/mo
▼ 0.25% · 3.875%
HK$28,911
−HK$766/mo
Today · 4.125%
HK$29,677
baseline
▲ 0.50% · 4.625%
HK$31,241
+HK$1,564/mo
Deposit HK$617K · loan HK$5.55M · min. income ≈ HK$59,354/mo (50% DSR)
Upfront cash ≈ HK$768K (deposit + AVD stamp duty HK$151,614 · 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).