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$14,074
−HK$882/mo
▼ 0.25% · 3.875%
HK$14,512
−HK$444/mo
Today · 4.125%
HK$14,956
baseline
▲ 0.50% · 4.625%
HK$15,867
+HK$911/mo
Deposit HK$3.09M · loan HK$3.09M · min. income ≈ HK$29,912/mo (50% DSR)
Upfront cash ≈ HK$3.24M (deposit + AVD stamp duty HK$152,208 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,657
−HK$846/mo
▼ 0.25% · 3.875%
HK$16,077
−HK$426/mo
Today · 4.125%
HK$16,503
baseline
▲ 0.50% · 4.625%
HK$17,373
+HK$870/mo
Deposit HK$3.09M · loan HK$3.09M · min. income ≈ HK$33,006/mo (50% DSR)
Upfront cash ≈ HK$3.24M (deposit + AVD stamp duty HK$152,208 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,889
−HK$1,059/mo
▼ 0.25% · 3.875%
HK$17,414
−HK$534/mo
Today · 4.125%
HK$17,948
baseline
▲ 0.50% · 4.625%
HK$19,040
+HK$1,092/mo
Deposit HK$2.47M · loan HK$3.70M · min. income ≈ HK$35,896/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$152,208 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,788
−HK$1,016/mo
▼ 0.25% · 3.875%
HK$19,292
−HK$512/mo
Today · 4.125%
HK$19,804
baseline
▲ 0.50% · 4.625%
HK$20,847
+HK$1,043/mo
Deposit HK$2.47M · loan HK$3.70M · min. income ≈ HK$39,608/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$152,208 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,703
−HK$1,236/mo
▼ 0.25% · 3.875%
HK$20,316
−HK$623/mo
Today · 4.125%
HK$20,939
baseline
▲ 0.50% · 4.625%
HK$22,213
+HK$1,274/mo
Deposit HK$1.85M · loan HK$4.32M · min. income ≈ HK$41,878/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$152,208 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,920
−HK$1,184/mo
▼ 0.25% · 3.875%
HK$22,508
−HK$596/mo
Today · 4.125%
HK$23,104
baseline
▲ 0.50% · 4.625%
HK$24,322
+HK$1,218/mo
Deposit HK$1.85M · loan HK$4.32M · min. income ≈ HK$46,208/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$152,208 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,333
−HK$1,589/mo
▼ 0.25% · 3.875%
HK$26,121
−HK$801/mo
Today · 4.125%
HK$26,922
baseline
▲ 0.50% · 4.625%
HK$28,560
+HK$1,638/mo
Deposit HK$617K · loan HK$5.55M · min. income ≈ HK$53,844/mo (50% DSR)
Upfront cash ≈ HK$769K (deposit + AVD stamp duty HK$152,208 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,183
−HK$1,522/mo
▼ 0.25% · 3.875%
HK$28,939
−HK$766/mo
Today · 4.125%
HK$29,705
baseline
▲ 0.50% · 4.625%
HK$31,271
+HK$1,566/mo
Deposit HK$617K · loan HK$5.55M · min. income ≈ HK$59,410/mo (50% DSR)
Upfront cash ≈ HK$769K (deposit + AVD stamp duty HK$152,208 · 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).