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$14,055
−HK$881/mo
▼ 0.25% · 3.875%
HK$14,492
−HK$444/mo
Today · 4.125%
HK$14,936
baseline
▲ 0.50% · 4.625%
HK$15,845
+HK$909/mo
Deposit HK$3.08M · loan HK$3.08M · min. income ≈ HK$29,872/mo (50% DSR)
Upfront cash ≈ HK$3.23M (deposit + AVD stamp duty HK$151,382 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,636
−HK$845/mo
▼ 0.25% · 3.875%
HK$16,055
−HK$426/mo
Today · 4.125%
HK$16,481
baseline
▲ 0.50% · 4.625%
HK$17,350
+HK$869/mo
Deposit HK$3.08M · loan HK$3.08M · min. income ≈ HK$32,962/mo (50% DSR)
Upfront cash ≈ HK$3.23M (deposit + AVD stamp duty HK$151,382 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,866
−HK$1,058/mo
▼ 0.25% · 3.875%
HK$17,391
−HK$533/mo
Today · 4.125%
HK$17,924
baseline
▲ 0.50% · 4.625%
HK$19,014
+HK$1,090/mo
Deposit HK$2.47M · loan HK$3.70M · min. income ≈ HK$35,848/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$151,382 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,763
−HK$1,014/mo
▼ 0.25% · 3.875%
HK$19,267
−HK$510/mo
Today · 4.125%
HK$19,777
baseline
▲ 0.50% · 4.625%
HK$20,820
+HK$1,043/mo
Deposit HK$2.47M · loan HK$3.70M · min. income ≈ HK$39,554/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$151,382 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,677
−HK$1,234/mo
▼ 0.25% · 3.875%
HK$20,289
−HK$622/mo
Today · 4.125%
HK$20,911
baseline
▲ 0.50% · 4.625%
HK$22,183
+HK$1,272/mo
Deposit HK$1.85M · loan HK$4.31M · min. income ≈ HK$41,822/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$151,382 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,891
−HK$1,182/mo
▼ 0.25% · 3.875%
HK$22,478
−HK$595/mo
Today · 4.125%
HK$23,073
baseline
▲ 0.50% · 4.625%
HK$24,289
+HK$1,216/mo
Deposit HK$1.85M · loan HK$4.31M · min. income ≈ HK$46,146/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$151,382 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,299
−HK$1,587/mo
▼ 0.25% · 3.875%
HK$26,086
−HK$800/mo
Today · 4.125%
HK$26,886
baseline
▲ 0.50% · 4.625%
HK$28,522
+HK$1,636/mo
Deposit HK$616K · loan HK$5.55M · min. income ≈ HK$53,772/mo (50% DSR)
Upfront cash ≈ HK$768K (deposit + AVD stamp duty HK$151,382 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,145
−HK$1,521/mo
▼ 0.25% · 3.875%
HK$28,900
−HK$766/mo
Today · 4.125%
HK$29,666
baseline
▲ 0.50% · 4.625%
HK$31,229
+HK$1,563/mo
Deposit HK$616K · loan HK$5.55M · min. income ≈ HK$59,332/mo (50% DSR)
Upfront cash ≈ HK$768K (deposit + AVD stamp duty HK$151,382 · 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).