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$14,096
−HK$884/mo
▼ 0.25% · 3.875%
HK$14,535
−HK$445/mo
Today · 4.125%
HK$14,980
baseline
▲ 0.50% · 4.625%
HK$15,891
+HK$911/mo
Deposit HK$3.09M · loan HK$3.09M · min. income ≈ HK$29,960/mo (50% DSR)
Upfront cash ≈ HK$3.24M (deposit + AVD stamp duty HK$153,178 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,682
−HK$847/mo
▼ 0.25% · 3.875%
HK$16,102
−HK$427/mo
Today · 4.125%
HK$16,529
baseline
▲ 0.50% · 4.625%
HK$17,400
+HK$871/mo
Deposit HK$3.09M · loan HK$3.09M · min. income ≈ HK$33,058/mo (50% DSR)
Upfront cash ≈ HK$3.24M (deposit + AVD stamp duty HK$153,178 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,915
−HK$1,061/mo
▼ 0.25% · 3.875%
HK$17,441
−HK$535/mo
Today · 4.125%
HK$17,976
baseline
▲ 0.50% · 4.625%
HK$19,070
+HK$1,094/mo
Deposit HK$2.47M · loan HK$3.71M · min. income ≈ HK$35,952/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$153,178 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,818
−HK$1,017/mo
▼ 0.25% · 3.875%
HK$19,323
−HK$512/mo
Today · 4.125%
HK$19,835
baseline
▲ 0.50% · 4.625%
HK$20,880
+HK$1,045/mo
Deposit HK$2.47M · loan HK$3.71M · min. income ≈ HK$39,670/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$153,178 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,734
−HK$1,238/mo
▼ 0.25% · 3.875%
HK$20,348
−HK$624/mo
Today · 4.125%
HK$20,972
baseline
▲ 0.50% · 4.625%
HK$22,248
+HK$1,276/mo
Deposit HK$1.85M · loan HK$4.33M · min. income ≈ HK$41,944/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$153,178 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,954
−HK$1,187/mo
▼ 0.25% · 3.875%
HK$22,543
−HK$598/mo
Today · 4.125%
HK$23,141
baseline
▲ 0.50% · 4.625%
HK$24,360
+HK$1,219/mo
Deposit HK$1.85M · loan HK$4.33M · min. income ≈ HK$46,282/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$153,178 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,373
−HK$1,591/mo
▼ 0.25% · 3.875%
HK$26,162
−HK$802/mo
Today · 4.125%
HK$26,964
baseline
▲ 0.50% · 4.625%
HK$28,605
+HK$1,641/mo
Deposit HK$618K · loan HK$5.56M · min. income ≈ HK$53,928/mo (50% DSR)
Upfront cash ≈ HK$771K (deposit + AVD stamp duty HK$153,178 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,227
−HK$1,525/mo
▼ 0.25% · 3.875%
HK$28,984
−HK$768/mo
Today · 4.125%
HK$29,752
baseline
▲ 0.50% · 4.625%
HK$31,320
+HK$1,568/mo
Deposit HK$618K · loan HK$5.56M · min. income ≈ HK$59,504/mo (50% DSR)
Upfront cash ≈ HK$771K (deposit + AVD stamp duty HK$153,178 · 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).