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$14,062
−HK$882/mo
▼ 0.25% · 3.875%
HK$14,500
−HK$444/mo
Today · 4.125%
HK$14,944
baseline
▲ 0.50% · 4.625%
HK$15,854
+HK$910/mo
Deposit HK$3.08M · loan HK$3.08M · min. income ≈ HK$29,888/mo (50% DSR)
Upfront cash ≈ HK$3.24M (deposit + AVD stamp duty HK$151,707 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,644
−HK$846/mo
▼ 0.25% · 3.875%
HK$16,064
−HK$426/mo
Today · 4.125%
HK$16,490
baseline
▲ 0.50% · 4.625%
HK$17,359
+HK$869/mo
Deposit HK$3.08M · loan HK$3.08M · min. income ≈ HK$32,980/mo (50% DSR)
Upfront cash ≈ HK$3.24M (deposit + AVD stamp duty HK$151,707 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,875
−HK$1,058/mo
▼ 0.25% · 3.875%
HK$17,400
−HK$533/mo
Today · 4.125%
HK$17,933
baseline
▲ 0.50% · 4.625%
HK$19,024
+HK$1,091/mo
Deposit HK$2.47M · loan HK$3.70M · min. income ≈ HK$35,866/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$151,707 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,773
−HK$1,015/mo
▼ 0.25% · 3.875%
HK$19,277
−HK$511/mo
Today · 4.125%
HK$19,788
baseline
▲ 0.50% · 4.625%
HK$20,831
+HK$1,043/mo
Deposit HK$2.47M · loan HK$3.70M · min. income ≈ HK$39,576/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$151,707 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,687
−HK$1,235/mo
▼ 0.25% · 3.875%
HK$20,300
−HK$622/mo
Today · 4.125%
HK$20,922
baseline
▲ 0.50% · 4.625%
HK$22,195
+HK$1,273/mo
Deposit HK$1.85M · loan HK$4.32M · min. income ≈ HK$41,844/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$151,707 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,902
−HK$1,183/mo
▼ 0.25% · 3.875%
HK$22,490
−HK$595/mo
Today · 4.125%
HK$23,085
baseline
▲ 0.50% · 4.625%
HK$24,302
+HK$1,217/mo
Deposit HK$1.85M · loan HK$4.32M · min. income ≈ HK$46,170/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$151,707 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,312
−HK$1,588/mo
▼ 0.25% · 3.875%
HK$26,100
−HK$800/mo
Today · 4.125%
HK$26,900
baseline
▲ 0.50% · 4.625%
HK$28,537
+HK$1,637/mo
Deposit HK$617K · loan HK$5.55M · min. income ≈ HK$53,800/mo (50% DSR)
Upfront cash ≈ HK$768K (deposit + AVD stamp duty HK$151,707 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,160
−HK$1,521/mo
▼ 0.25% · 3.875%
HK$28,915
−HK$766/mo
Today · 4.125%
HK$29,681
baseline
▲ 0.50% · 4.625%
HK$31,246
+HK$1,565/mo
Deposit HK$617K · loan HK$5.55M · min. income ≈ HK$59,362/mo (50% DSR)
Upfront cash ≈ HK$768K (deposit + AVD stamp duty HK$151,707 · 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).