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$14,099
−HK$885/mo
▼ 0.25% · 3.875%
HK$14,538
−HK$446/mo
Today · 4.125%
HK$14,984
baseline
▲ 0.50% · 4.625%
HK$15,895
+HK$911/mo
Deposit HK$3.09M · loan HK$3.09M · min. income ≈ HK$29,968/mo (50% DSR)
Upfront cash ≈ HK$3.24M (deposit + AVD stamp duty HK$153,325 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,685
−HK$848/mo
▼ 0.25% · 3.875%
HK$16,106
−HK$427/mo
Today · 4.125%
HK$16,533
baseline
▲ 0.50% · 4.625%
HK$17,404
+HK$871/mo
Deposit HK$3.09M · loan HK$3.09M · min. income ≈ HK$33,066/mo (50% DSR)
Upfront cash ≈ HK$3.24M (deposit + AVD stamp duty HK$153,325 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,919
−HK$1,061/mo
▼ 0.25% · 3.875%
HK$17,446
−HK$534/mo
Today · 4.125%
HK$17,980
baseline
▲ 0.50% · 4.625%
HK$19,074
+HK$1,094/mo
Deposit HK$2.47M · loan HK$3.71M · min. income ≈ HK$35,960/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$153,325 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,823
−HK$1,016/mo
▼ 0.25% · 3.875%
HK$19,327
−HK$512/mo
Today · 4.125%
HK$19,839
baseline
▲ 0.50% · 4.625%
HK$20,885
+HK$1,046/mo
Deposit HK$2.47M · loan HK$3.71M · min. income ≈ HK$39,678/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$153,325 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,739
−HK$1,238/mo
▼ 0.25% · 3.875%
HK$20,353
−HK$624/mo
Today · 4.125%
HK$20,977
baseline
▲ 0.50% · 4.625%
HK$22,253
+HK$1,276/mo
Deposit HK$1.85M · loan HK$4.33M · min. income ≈ HK$41,954/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$153,325 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,960
−HK$1,186/mo
▼ 0.25% · 3.875%
HK$22,549
−HK$597/mo
Today · 4.125%
HK$23,146
baseline
▲ 0.50% · 4.625%
HK$24,366
+HK$1,220/mo
Deposit HK$1.85M · loan HK$4.33M · min. income ≈ HK$46,292/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$153,325 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,379
−HK$1,591/mo
▼ 0.25% · 3.875%
HK$26,168
−HK$802/mo
Today · 4.125%
HK$26,970
baseline
▲ 0.50% · 4.625%
HK$28,611
+HK$1,641/mo
Deposit HK$618K · loan HK$5.56M · min. income ≈ HK$53,940/mo (50% DSR)
Upfront cash ≈ HK$772K (deposit + AVD stamp duty HK$153,325 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,234
−HK$1,525/mo
▼ 0.25% · 3.875%
HK$28,991
−HK$768/mo
Today · 4.125%
HK$29,759
baseline
▲ 0.50% · 4.625%
HK$31,328
+HK$1,569/mo
Deposit HK$618K · loan HK$5.56M · min. income ≈ HK$59,518/mo (50% DSR)
Upfront cash ≈ HK$772K (deposit + AVD stamp duty HK$153,325 · 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).