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$14,075
−HK$883/mo
▼ 0.25% · 3.875%
HK$14,513
−HK$445/mo
Today · 4.125%
HK$14,958
baseline
▲ 0.50% · 4.625%
HK$15,868
+HK$910/mo
Deposit HK$3.09M · loan HK$3.09M · min. income ≈ HK$29,916/mo (50% DSR)
Upfront cash ≈ HK$3.24M (deposit + AVD stamp duty HK$152,254 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,658
−HK$846/mo
▼ 0.25% · 3.875%
HK$16,078
−HK$426/mo
Today · 4.125%
HK$16,504
baseline
▲ 0.50% · 4.625%
HK$17,374
+HK$870/mo
Deposit HK$3.09M · loan HK$3.09M · min. income ≈ HK$33,008/mo (50% DSR)
Upfront cash ≈ HK$3.24M (deposit + AVD stamp duty HK$152,254 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,890
−HK$1,059/mo
▼ 0.25% · 3.875%
HK$17,415
−HK$534/mo
Today · 4.125%
HK$17,949
baseline
▲ 0.50% · 4.625%
HK$19,041
+HK$1,092/mo
Deposit HK$2.47M · loan HK$3.70M · min. income ≈ HK$35,898/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$152,254 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,790
−HK$1,015/mo
▼ 0.25% · 3.875%
HK$19,294
−HK$511/mo
Today · 4.125%
HK$19,805
baseline
▲ 0.50% · 4.625%
HK$20,849
+HK$1,044/mo
Deposit HK$2.47M · loan HK$3.70M · min. income ≈ HK$39,610/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$152,254 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,705
−HK$1,236/mo
▼ 0.25% · 3.875%
HK$20,318
−HK$623/mo
Today · 4.125%
HK$20,941
baseline
▲ 0.50% · 4.625%
HK$22,215
+HK$1,274/mo
Deposit HK$1.85M · loan HK$4.32M · min. income ≈ HK$41,882/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$152,254 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,922
−HK$1,184/mo
▼ 0.25% · 3.875%
HK$22,509
−HK$597/mo
Today · 4.125%
HK$23,106
baseline
▲ 0.50% · 4.625%
HK$24,324
+HK$1,218/mo
Deposit HK$1.85M · loan HK$4.32M · min. income ≈ HK$46,212/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$152,254 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,335
−HK$1,589/mo
▼ 0.25% · 3.875%
HK$26,123
−HK$801/mo
Today · 4.125%
HK$26,924
baseline
▲ 0.50% · 4.625%
HK$28,562
+HK$1,638/mo
Deposit HK$617K · loan HK$5.56M · min. income ≈ HK$53,848/mo (50% DSR)
Upfront cash ≈ HK$770K (deposit + AVD stamp duty HK$152,254 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,185
−HK$1,523/mo
▼ 0.25% · 3.875%
HK$28,941
−HK$767/mo
Today · 4.125%
HK$29,708
baseline
▲ 0.50% · 4.625%
HK$31,274
+HK$1,566/mo
Deposit HK$617K · loan HK$5.56M · min. income ≈ HK$59,416/mo (50% DSR)
Upfront cash ≈ HK$770K (deposit + AVD stamp duty HK$152,254 · 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).