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$14,080
−HK$883/mo
▼ 0.25% · 3.875%
HK$14,518
−HK$445/mo
Today · 4.125%
HK$14,963
baseline
▲ 0.50% · 4.625%
HK$15,873
+HK$910/mo
Deposit HK$3.09M · loan HK$3.09M · min. income ≈ HK$29,926/mo (50% DSR)
Upfront cash ≈ HK$3.24M (deposit + AVD stamp duty HK$152,460 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,663
−HK$847/mo
▼ 0.25% · 3.875%
HK$16,084
−HK$426/mo
Today · 4.125%
HK$16,510
baseline
▲ 0.50% · 4.625%
HK$17,380
+HK$870/mo
Deposit HK$3.09M · loan HK$3.09M · min. income ≈ HK$33,020/mo (50% DSR)
Upfront cash ≈ HK$3.24M (deposit + AVD stamp duty HK$152,460 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,896
−HK$1,059/mo
▼ 0.25% · 3.875%
HK$17,421
−HK$534/mo
Today · 4.125%
HK$17,955
baseline
▲ 0.50% · 4.625%
HK$19,048
+HK$1,093/mo
Deposit HK$2.47M · loan HK$3.70M · min. income ≈ HK$35,910/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$152,460 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,796
−HK$1,016/mo
▼ 0.25% · 3.875%
HK$19,300
−HK$512/mo
Today · 4.125%
HK$19,812
baseline
▲ 0.50% · 4.625%
HK$20,856
+HK$1,044/mo
Deposit HK$2.47M · loan HK$3.70M · min. income ≈ HK$39,624/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$152,460 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,712
−HK$1,236/mo
▼ 0.25% · 3.875%
HK$20,325
−HK$623/mo
Today · 4.125%
HK$20,948
baseline
▲ 0.50% · 4.625%
HK$22,222
+HK$1,274/mo
Deposit HK$1.85M · loan HK$4.32M · min. income ≈ HK$41,896/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$152,460 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,929
−HK$1,185/mo
▼ 0.25% · 3.875%
HK$22,517
−HK$597/mo
Today · 4.125%
HK$23,114
baseline
▲ 0.50% · 4.625%
HK$24,332
+HK$1,218/mo
Deposit HK$1.85M · loan HK$4.32M · min. income ≈ HK$46,228/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$152,460 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,343
−HK$1,590/mo
▼ 0.25% · 3.875%
HK$26,132
−HK$801/mo
Today · 4.125%
HK$26,933
baseline
▲ 0.50% · 4.625%
HK$28,571
+HK$1,638/mo
Deposit HK$617K · loan HK$5.56M · min. income ≈ HK$53,866/mo (50% DSR)
Upfront cash ≈ HK$770K (deposit + AVD stamp duty HK$152,460 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,194
−HK$1,524/mo
▼ 0.25% · 3.875%
HK$28,950
−HK$768/mo
Today · 4.125%
HK$29,718
baseline
▲ 0.50% · 4.625%
HK$31,284
+HK$1,566/mo
Deposit HK$617K · loan HK$5.56M · min. income ≈ HK$59,436/mo (50% DSR)
Upfront cash ≈ HK$770K (deposit + AVD stamp duty HK$152,460 · 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).