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$14,064
−HK$882/mo
▼ 0.25% · 3.875%
HK$14,501
−HK$445/mo
Today · 4.125%
HK$14,946
baseline
▲ 0.50% · 4.625%
HK$15,855
+HK$909/mo
Deposit HK$3.08M · loan HK$3.08M · min. income ≈ HK$29,892/mo (50% DSR)
Upfront cash ≈ HK$3.24M (deposit + AVD stamp duty HK$151,757 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,646
−HK$845/mo
▼ 0.25% · 3.875%
HK$16,065
−HK$426/mo
Today · 4.125%
HK$16,491
baseline
▲ 0.50% · 4.625%
HK$17,360
+HK$869/mo
Deposit HK$3.08M · loan HK$3.08M · min. income ≈ HK$32,982/mo (50% DSR)
Upfront cash ≈ HK$3.24M (deposit + AVD stamp duty HK$151,757 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,876
−HK$1,059/mo
▼ 0.25% · 3.875%
HK$17,401
−HK$534/mo
Today · 4.125%
HK$17,935
baseline
▲ 0.50% · 4.625%
HK$19,026
+HK$1,091/mo
Deposit HK$2.47M · loan HK$3.70M · min. income ≈ HK$35,870/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$151,757 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,775
−HK$1,014/mo
▼ 0.25% · 3.875%
HK$19,278
−HK$511/mo
Today · 4.125%
HK$19,789
baseline
▲ 0.50% · 4.625%
HK$20,832
+HK$1,043/mo
Deposit HK$2.47M · loan HK$3.70M · min. income ≈ HK$39,578/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$151,757 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,689
−HK$1,235/mo
▼ 0.25% · 3.875%
HK$20,302
−HK$622/mo
Today · 4.125%
HK$20,924
baseline
▲ 0.50% · 4.625%
HK$22,197
+HK$1,273/mo
Deposit HK$1.85M · loan HK$4.32M · min. income ≈ HK$41,848/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$151,757 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,904
−HK$1,183/mo
▼ 0.25% · 3.875%
HK$22,491
−HK$596/mo
Today · 4.125%
HK$23,087
baseline
▲ 0.50% · 4.625%
HK$24,304
+HK$1,217/mo
Deposit HK$1.85M · loan HK$4.32M · min. income ≈ HK$46,174/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$151,757 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,315
−HK$1,587/mo
▼ 0.25% · 3.875%
HK$26,102
−HK$800/mo
Today · 4.125%
HK$26,902
baseline
▲ 0.50% · 4.625%
HK$28,539
+HK$1,637/mo
Deposit HK$617K · loan HK$5.55M · min. income ≈ HK$53,804/mo (50% DSR)
Upfront cash ≈ HK$769K (deposit + AVD stamp duty HK$151,757 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,162
−HK$1,522/mo
▼ 0.25% · 3.875%
HK$28,917
−HK$767/mo
Today · 4.125%
HK$29,684
baseline
▲ 0.50% · 4.625%
HK$31,248
+HK$1,564/mo
Deposit HK$617K · loan HK$5.55M · min. income ≈ HK$59,368/mo (50% DSR)
Upfront cash ≈ HK$769K (deposit + AVD stamp duty HK$151,757 · 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).