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$14,098
−HK$884/mo
▼ 0.25% · 3.875%
HK$14,536
−HK$446/mo
Today · 4.125%
HK$14,982
baseline
▲ 0.50% · 4.625%
HK$15,893
+HK$911/mo
Deposit HK$3.09M · loan HK$3.09M · min. income ≈ HK$29,964/mo (50% DSR)
Upfront cash ≈ HK$3.24M (deposit + AVD stamp duty HK$153,256 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,684
−HK$847/mo
▼ 0.25% · 3.875%
HK$16,104
−HK$427/mo
Today · 4.125%
HK$16,531
baseline
▲ 0.50% · 4.625%
HK$17,402
+HK$871/mo
Deposit HK$3.09M · loan HK$3.09M · min. income ≈ HK$33,062/mo (50% DSR)
Upfront cash ≈ HK$3.24M (deposit + AVD stamp duty HK$153,256 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,917
−HK$1,061/mo
▼ 0.25% · 3.875%
HK$17,444
−HK$534/mo
Today · 4.125%
HK$17,978
baseline
▲ 0.50% · 4.625%
HK$19,072
+HK$1,094/mo
Deposit HK$2.47M · loan HK$3.71M · min. income ≈ HK$35,956/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$153,256 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,820
−HK$1,017/mo
▼ 0.25% · 3.875%
HK$19,325
−HK$512/mo
Today · 4.125%
HK$19,837
baseline
▲ 0.50% · 4.625%
HK$20,883
+HK$1,046/mo
Deposit HK$2.47M · loan HK$3.71M · min. income ≈ HK$39,674/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$153,256 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,737
−HK$1,238/mo
▼ 0.25% · 3.875%
HK$20,351
−HK$624/mo
Today · 4.125%
HK$20,975
baseline
▲ 0.50% · 4.625%
HK$22,251
+HK$1,276/mo
Deposit HK$1.85M · loan HK$4.33M · min. income ≈ HK$41,950/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$153,256 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,957
−HK$1,186/mo
▼ 0.25% · 3.875%
HK$22,546
−HK$597/mo
Today · 4.125%
HK$23,143
baseline
▲ 0.50% · 4.625%
HK$24,363
+HK$1,220/mo
Deposit HK$1.85M · loan HK$4.33M · min. income ≈ HK$46,286/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$153,256 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,376
−HK$1,591/mo
▼ 0.25% · 3.875%
HK$26,165
−HK$802/mo
Today · 4.125%
HK$26,967
baseline
▲ 0.50% · 4.625%
HK$28,608
+HK$1,641/mo
Deposit HK$618K · loan HK$5.56M · min. income ≈ HK$53,934/mo (50% DSR)
Upfront cash ≈ HK$772K (deposit + AVD stamp duty HK$153,256 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,231
−HK$1,525/mo
▼ 0.25% · 3.875%
HK$28,988
−HK$768/mo
Today · 4.125%
HK$29,756
baseline
▲ 0.50% · 4.625%
HK$31,324
+HK$1,568/mo
Deposit HK$618K · loan HK$5.56M · min. income ≈ HK$59,512/mo (50% DSR)
Upfront cash ≈ HK$772K (deposit + AVD stamp duty HK$153,256 · 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).