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$14,081
−HK$883/mo
▼ 0.25% · 3.875%
HK$14,519
−HK$445/mo
Today · 4.125%
HK$14,964
baseline
▲ 0.50% · 4.625%
HK$15,875
+HK$911/mo
Deposit HK$3.09M · loan HK$3.09M · min. income ≈ HK$29,928/mo (50% DSR)
Upfront cash ≈ HK$3.24M (deposit + AVD stamp duty HK$152,520 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,665
−HK$846/mo
▼ 0.25% · 3.875%
HK$16,085
−HK$426/mo
Today · 4.125%
HK$16,511
baseline
▲ 0.50% · 4.625%
HK$17,382
+HK$871/mo
Deposit HK$3.09M · loan HK$3.09M · min. income ≈ HK$33,022/mo (50% DSR)
Upfront cash ≈ HK$3.24M (deposit + AVD stamp duty HK$152,520 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,897
−HK$1,060/mo
▼ 0.25% · 3.875%
HK$17,423
−HK$534/mo
Today · 4.125%
HK$17,957
baseline
▲ 0.50% · 4.625%
HK$19,049
+HK$1,092/mo
Deposit HK$2.47M · loan HK$3.71M · min. income ≈ HK$35,914/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$152,520 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,798
−HK$1,016/mo
▼ 0.25% · 3.875%
HK$19,302
−HK$512/mo
Today · 4.125%
HK$19,814
baseline
▲ 0.50% · 4.625%
HK$20,858
+HK$1,044/mo
Deposit HK$2.47M · loan HK$3.71M · min. income ≈ HK$39,628/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$152,520 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,713
−HK$1,237/mo
▼ 0.25% · 3.875%
HK$20,327
−HK$623/mo
Today · 4.125%
HK$20,950
baseline
▲ 0.50% · 4.625%
HK$22,224
+HK$1,274/mo
Deposit HK$1.85M · loan HK$4.32M · min. income ≈ HK$41,900/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$152,520 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,931
−HK$1,185/mo
▼ 0.25% · 3.875%
HK$22,519
−HK$597/mo
Today · 4.125%
HK$23,116
baseline
▲ 0.50% · 4.625%
HK$24,334
+HK$1,218/mo
Deposit HK$1.85M · loan HK$4.32M · min. income ≈ HK$46,232/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$152,520 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,346
−HK$1,589/mo
▼ 0.25% · 3.875%
HK$26,134
−HK$801/mo
Today · 4.125%
HK$26,935
baseline
▲ 0.50% · 4.625%
HK$28,574
+HK$1,639/mo
Deposit HK$618K · loan HK$5.56M · min. income ≈ HK$53,870/mo (50% DSR)
Upfront cash ≈ HK$770K (deposit + AVD stamp duty HK$152,520 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,197
−HK$1,523/mo
▼ 0.25% · 3.875%
HK$28,953
−HK$767/mo
Today · 4.125%
HK$29,720
baseline
▲ 0.50% · 4.625%
HK$31,287
+HK$1,567/mo
Deposit HK$618K · loan HK$5.56M · min. income ≈ HK$59,440/mo (50% DSR)
Upfront cash ≈ HK$770K (deposit + AVD stamp duty HK$152,520 · 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).