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$14,049
−HK$881/mo
▼ 0.25% · 3.875%
HK$14,486
−HK$444/mo
Today · 4.125%
HK$14,930
baseline
▲ 0.50% · 4.625%
HK$15,838
+HK$908/mo
Deposit HK$3.08M · loan HK$3.08M · min. income ≈ HK$29,860/mo (50% DSR)
Upfront cash ≈ HK$3.23M (deposit + AVD stamp duty HK$151,100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,629
−HK$844/mo
▼ 0.25% · 3.875%
HK$16,048
−HK$425/mo
Today · 4.125%
HK$16,473
baseline
▲ 0.50% · 4.625%
HK$17,342
+HK$869/mo
Deposit HK$3.08M · loan HK$3.08M · min. income ≈ HK$32,946/mo (50% DSR)
Upfront cash ≈ HK$3.23M (deposit + AVD stamp duty HK$151,100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,858
−HK$1,058/mo
▼ 0.25% · 3.875%
HK$17,383
−HK$533/mo
Today · 4.125%
HK$17,916
baseline
▲ 0.50% · 4.625%
HK$19,006
+HK$1,090/mo
Deposit HK$2.46M · loan HK$3.70M · min. income ≈ HK$35,832/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$151,100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,755
−HK$1,013/mo
▼ 0.25% · 3.875%
HK$19,258
−HK$510/mo
Today · 4.125%
HK$19,768
baseline
▲ 0.50% · 4.625%
HK$20,810
+HK$1,042/mo
Deposit HK$2.46M · loan HK$3.70M · min. income ≈ HK$39,536/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$151,100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,668
−HK$1,233/mo
▼ 0.25% · 3.875%
HK$20,280
−HK$621/mo
Today · 4.125%
HK$20,901
baseline
▲ 0.50% · 4.625%
HK$22,173
+HK$1,272/mo
Deposit HK$1.85M · loan HK$4.31M · min. income ≈ HK$41,802/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$151,100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,881
−HK$1,182/mo
▼ 0.25% · 3.875%
HK$22,467
−HK$596/mo
Today · 4.125%
HK$23,063
baseline
▲ 0.50% · 4.625%
HK$24,278
+HK$1,215/mo
Deposit HK$1.85M · loan HK$4.31M · min. income ≈ HK$46,126/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$151,100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,288
−HK$1,585/mo
▼ 0.25% · 3.875%
HK$26,074
−HK$799/mo
Today · 4.125%
HK$26,873
baseline
▲ 0.50% · 4.625%
HK$28,508
+HK$1,635/mo
Deposit HK$616K · loan HK$5.54M · min. income ≈ HK$53,746/mo (50% DSR)
Upfront cash ≈ HK$767K (deposit + AVD stamp duty HK$151,100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,132
−HK$1,520/mo
▼ 0.25% · 3.875%
HK$28,887
−HK$765/mo
Today · 4.125%
HK$29,652
baseline
▲ 0.50% · 4.625%
HK$31,215
+HK$1,563/mo
Deposit HK$616K · loan HK$5.54M · min. income ≈ HK$59,304/mo (50% DSR)
Upfront cash ≈ HK$767K (deposit + AVD stamp duty HK$151,100 · 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).