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$14,089
−HK$884/mo
▼ 0.25% · 3.875%
HK$14,528
−HK$445/mo
Today · 4.125%
HK$14,973
baseline
▲ 0.50% · 4.625%
HK$15,884
+HK$911/mo
Deposit HK$3.09M · loan HK$3.09M · min. income ≈ HK$29,946/mo (50% DSR)
Upfront cash ≈ HK$3.24M (deposit + AVD stamp duty HK$152,880 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,674
−HK$847/mo
▼ 0.25% · 3.875%
HK$16,095
−HK$426/mo
Today · 4.125%
HK$16,521
baseline
▲ 0.50% · 4.625%
HK$17,392
+HK$871/mo
Deposit HK$3.09M · loan HK$3.09M · min. income ≈ HK$33,042/mo (50% DSR)
Upfront cash ≈ HK$3.24M (deposit + AVD stamp duty HK$152,880 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,907
−HK$1,060/mo
▼ 0.25% · 3.875%
HK$17,433
−HK$534/mo
Today · 4.125%
HK$17,967
baseline
▲ 0.50% · 4.625%
HK$19,061
+HK$1,094/mo
Deposit HK$2.47M · loan HK$3.71M · min. income ≈ HK$35,934/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$152,880 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,809
−HK$1,016/mo
▼ 0.25% · 3.875%
HK$19,313
−HK$512/mo
Today · 4.125%
HK$19,825
baseline
▲ 0.50% · 4.625%
HK$20,870
+HK$1,045/mo
Deposit HK$2.47M · loan HK$3.71M · min. income ≈ HK$39,650/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$152,880 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,725
−HK$1,237/mo
▼ 0.25% · 3.875%
HK$20,339
−HK$623/mo
Today · 4.125%
HK$20,962
baseline
▲ 0.50% · 4.625%
HK$22,237
+HK$1,275/mo
Deposit HK$1.85M · loan HK$4.33M · min. income ≈ HK$41,924/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$152,880 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,944
−HK$1,185/mo
▼ 0.25% · 3.875%
HK$22,532
−HK$597/mo
Today · 4.125%
HK$23,129
baseline
▲ 0.50% · 4.625%
HK$24,349
+HK$1,220/mo
Deposit HK$1.85M · loan HK$4.33M · min. income ≈ HK$46,258/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$152,880 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,361
−HK$1,590/mo
▼ 0.25% · 3.875%
HK$26,150
−HK$801/mo
Today · 4.125%
HK$26,951
baseline
▲ 0.50% · 4.625%
HK$28,591
+HK$1,640/mo
Deposit HK$618K · loan HK$5.56M · min. income ≈ HK$53,902/mo (50% DSR)
Upfront cash ≈ HK$771K (deposit + AVD stamp duty HK$152,880 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,213
−HK$1,525/mo
▼ 0.25% · 3.875%
HK$28,970
−HK$768/mo
Today · 4.125%
HK$29,738
baseline
▲ 0.50% · 4.625%
HK$31,305
+HK$1,567/mo
Deposit HK$618K · loan HK$5.56M · min. income ≈ HK$59,476/mo (50% DSR)
Upfront cash ≈ HK$771K (deposit + AVD stamp duty HK$152,880 · 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).