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$14,050
−HK$881/mo
▼ 0.25% · 3.875%
HK$14,487
−HK$444/mo
Today · 4.125%
HK$14,931
baseline
▲ 0.50% · 4.625%
HK$15,840
+HK$909/mo
Deposit HK$3.08M · loan HK$3.08M · min. income ≈ HK$29,862/mo (50% DSR)
Upfront cash ≈ HK$3.23M (deposit + AVD stamp duty HK$151,160 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,631
−HK$844/mo
▼ 0.25% · 3.875%
HK$16,050
−HK$425/mo
Today · 4.125%
HK$16,475
baseline
▲ 0.50% · 4.625%
HK$17,343
+HK$868/mo
Deposit HK$3.08M · loan HK$3.08M · min. income ≈ HK$32,950/mo (50% DSR)
Upfront cash ≈ HK$3.23M (deposit + AVD stamp duty HK$151,160 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,860
−HK$1,057/mo
▼ 0.25% · 3.875%
HK$17,384
−HK$533/mo
Today · 4.125%
HK$17,917
baseline
▲ 0.50% · 4.625%
HK$19,008
+HK$1,091/mo
Deposit HK$2.46M · loan HK$3.70M · min. income ≈ HK$35,834/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$151,160 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,757
−HK$1,013/mo
▼ 0.25% · 3.875%
HK$19,260
−HK$510/mo
Today · 4.125%
HK$19,770
baseline
▲ 0.50% · 4.625%
HK$20,812
+HK$1,042/mo
Deposit HK$2.46M · loan HK$3.70M · min. income ≈ HK$39,540/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$151,160 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,670
−HK$1,234/mo
▼ 0.25% · 3.875%
HK$20,282
−HK$622/mo
Today · 4.125%
HK$20,904
baseline
▲ 0.50% · 4.625%
HK$22,175
+HK$1,271/mo
Deposit HK$1.85M · loan HK$4.31M · min. income ≈ HK$41,808/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$151,160 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,883
−HK$1,182/mo
▼ 0.25% · 3.875%
HK$22,470
−HK$595/mo
Today · 4.125%
HK$23,065
baseline
▲ 0.50% · 4.625%
HK$24,281
+HK$1,216/mo
Deposit HK$1.85M · loan HK$4.31M · min. income ≈ HK$46,130/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$151,160 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,290
−HK$1,586/mo
▼ 0.25% · 3.875%
HK$26,077
−HK$799/mo
Today · 4.125%
HK$26,876
baseline
▲ 0.50% · 4.625%
HK$28,511
+HK$1,635/mo
Deposit HK$616K · loan HK$5.55M · min. income ≈ HK$53,752/mo (50% DSR)
Upfront cash ≈ HK$767K (deposit + AVD stamp duty HK$151,160 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,135
−HK$1,520/mo
▼ 0.25% · 3.875%
HK$28,889
−HK$766/mo
Today · 4.125%
HK$29,655
baseline
▲ 0.50% · 4.625%
HK$31,218
+HK$1,563/mo
Deposit HK$616K · loan HK$5.55M · min. income ≈ HK$59,310/mo (50% DSR)
Upfront cash ≈ HK$767K (deposit + AVD stamp duty HK$151,160 · 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).