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$882/mo
▼ 0.25% · 3.875%
HK$14,509
−HK$445/mo
Today · 4.125%
HK$14,954
baseline
▲ 0.50% · 4.625%
HK$15,864
+HK$910/mo
Deposit HK$3.09M · loan HK$3.09M · min. income ≈ HK$29,908/mo (50% DSR)
Upfront cash ≈ HK$3.24M (deposit + AVD stamp duty HK$152,104 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,654
−HK$846/mo
▼ 0.25% · 3.875%
HK$16,074
−HK$426/mo
Today · 4.125%
HK$16,500
baseline
▲ 0.50% · 4.625%
HK$17,370
+HK$870/mo
Deposit HK$3.09M · loan HK$3.09M · min. income ≈ HK$33,000/mo (50% DSR)
Upfront cash ≈ HK$3.24M (deposit + AVD stamp duty HK$152,104 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,886
−HK$1,059/mo
▼ 0.25% · 3.875%
HK$17,411
−HK$534/mo
Today · 4.125%
HK$17,945
baseline
▲ 0.50% · 4.625%
HK$19,037
+HK$1,092/mo
Deposit HK$2.47M · loan HK$3.70M · min. income ≈ HK$35,890/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$152,104 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,785
−HK$1,015/mo
▼ 0.25% · 3.875%
HK$19,289
−HK$511/mo
Today · 4.125%
HK$19,800
baseline
▲ 0.50% · 4.625%
HK$20,844
+HK$1,044/mo
Deposit HK$2.47M · loan HK$3.70M · min. income ≈ HK$39,600/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$152,104 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,700
−HK$1,236/mo
▼ 0.25% · 3.875%
HK$20,313
−HK$623/mo
Today · 4.125%
HK$20,936
baseline
▲ 0.50% · 4.625%
HK$22,209
+HK$1,273/mo
Deposit HK$1.85M · loan HK$4.32M · min. income ≈ HK$41,872/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$152,104 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,916
−HK$1,184/mo
▼ 0.25% · 3.875%
HK$22,504
−HK$596/mo
Today · 4.125%
HK$23,100
baseline
▲ 0.50% · 4.625%
HK$24,318
+HK$1,218/mo
Deposit HK$1.85M · loan HK$4.32M · min. income ≈ HK$46,200/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$152,104 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,329
−HK$1,588/mo
▼ 0.25% · 3.875%
HK$26,117
−HK$800/mo
Today · 4.125%
HK$26,917
baseline
▲ 0.50% · 4.625%
HK$28,555
+HK$1,638/mo
Deposit HK$617K · loan HK$5.55M · min. income ≈ HK$53,834/mo (50% DSR)
Upfront cash ≈ HK$769K (deposit + AVD stamp duty HK$152,104 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,178
−HK$1,522/mo
▼ 0.25% · 3.875%
HK$28,934
−HK$766/mo
Today · 4.125%
HK$29,700
baseline
▲ 0.50% · 4.625%
HK$31,266
+HK$1,566/mo
Deposit HK$617K · loan HK$5.55M · min. income ≈ HK$59,400/mo (50% DSR)
Upfront cash ≈ HK$769K (deposit + AVD stamp duty HK$152,104 · 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).