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$14,070
−HK$882/mo
▼ 0.25% · 3.875%
HK$14,508
−HK$444/mo
Today · 4.125%
HK$14,952
baseline
▲ 0.50% · 4.625%
HK$15,862
+HK$910/mo
Deposit HK$3.09M · loan HK$3.09M · min. income ≈ HK$29,904/mo (50% DSR)
Upfront cash ≈ HK$3.24M (deposit + AVD stamp duty HK$152,032 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,653
−HK$845/mo
▼ 0.25% · 3.875%
HK$16,072
−HK$426/mo
Today · 4.125%
HK$16,498
baseline
▲ 0.50% · 4.625%
HK$17,368
+HK$870/mo
Deposit HK$3.09M · loan HK$3.09M · min. income ≈ HK$32,996/mo (50% DSR)
Upfront cash ≈ HK$3.24M (deposit + AVD stamp duty HK$152,032 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,884
−HK$1,059/mo
▼ 0.25% · 3.875%
HK$17,409
−HK$534/mo
Today · 4.125%
HK$17,943
baseline
▲ 0.50% · 4.625%
HK$19,034
+HK$1,091/mo
Deposit HK$2.47M · loan HK$3.70M · min. income ≈ HK$35,886/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$152,032 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,783
−HK$1,015/mo
▼ 0.25% · 3.875%
HK$19,287
−HK$511/mo
Today · 4.125%
HK$19,798
baseline
▲ 0.50% · 4.625%
HK$20,842
+HK$1,044/mo
Deposit HK$2.47M · loan HK$3.70M · min. income ≈ HK$39,596/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$152,032 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,698
−HK$1,235/mo
▼ 0.25% · 3.875%
HK$20,311
−HK$622/mo
Today · 4.125%
HK$20,933
baseline
▲ 0.50% · 4.625%
HK$22,207
+HK$1,274/mo
Deposit HK$1.85M · loan HK$4.32M · min. income ≈ HK$41,866/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$152,032 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,914
−HK$1,184/mo
▼ 0.25% · 3.875%
HK$22,501
−HK$597/mo
Today · 4.125%
HK$23,098
baseline
▲ 0.50% · 4.625%
HK$24,315
+HK$1,217/mo
Deposit HK$1.85M · loan HK$4.32M · min. income ≈ HK$46,196/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$152,032 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,326
−HK$1,588/mo
▼ 0.25% · 3.875%
HK$26,114
−HK$800/mo
Today · 4.125%
HK$26,914
baseline
▲ 0.50% · 4.625%
HK$28,552
+HK$1,638/mo
Deposit HK$617K · loan HK$5.55M · min. income ≈ HK$53,828/mo (50% DSR)
Upfront cash ≈ HK$769K (deposit + AVD stamp duty HK$152,032 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,175
−HK$1,522/mo
▼ 0.25% · 3.875%
HK$28,930
−HK$767/mo
Today · 4.125%
HK$29,697
baseline
▲ 0.50% · 4.625%
HK$31,262
+HK$1,565/mo
Deposit HK$617K · loan HK$5.55M · min. income ≈ HK$59,394/mo (50% DSR)
Upfront cash ≈ HK$769K (deposit + AVD stamp duty HK$152,032 · 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).