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$14,053
−HK$881/mo
▼ 0.25% · 3.875%
HK$14,490
−HK$444/mo
Today · 4.125%
HK$14,934
baseline
▲ 0.50% · 4.625%
HK$15,843
+HK$909/mo
Deposit HK$3.08M · loan HK$3.08M · min. income ≈ HK$29,868/mo (50% DSR)
Upfront cash ≈ HK$3.23M (deposit + AVD stamp duty HK$151,283 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,634
−HK$844/mo
▼ 0.25% · 3.875%
HK$16,053
−HK$425/mo
Today · 4.125%
HK$16,478
baseline
▲ 0.50% · 4.625%
HK$17,347
+HK$869/mo
Deposit HK$3.08M · loan HK$3.08M · min. income ≈ HK$32,956/mo (50% DSR)
Upfront cash ≈ HK$3.23M (deposit + AVD stamp duty HK$151,283 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,863
−HK$1,058/mo
▼ 0.25% · 3.875%
HK$17,388
−HK$533/mo
Today · 4.125%
HK$17,921
baseline
▲ 0.50% · 4.625%
HK$19,011
+HK$1,090/mo
Deposit HK$2.47M · loan HK$3.70M · min. income ≈ HK$35,842/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$151,283 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,760
−HK$1,014/mo
▼ 0.25% · 3.875%
HK$19,263
−HK$511/mo
Today · 4.125%
HK$19,774
baseline
▲ 0.50% · 4.625%
HK$20,816
+HK$1,042/mo
Deposit HK$2.47M · loan HK$3.70M · min. income ≈ HK$39,548/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$151,283 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,674
−HK$1,234/mo
▼ 0.25% · 3.875%
HK$20,286
−HK$622/mo
Today · 4.125%
HK$20,908
baseline
▲ 0.50% · 4.625%
HK$22,180
+HK$1,272/mo
Deposit HK$1.85M · loan HK$4.31M · min. income ≈ HK$41,816/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$151,283 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,887
−HK$1,183/mo
▼ 0.25% · 3.875%
HK$22,474
−HK$596/mo
Today · 4.125%
HK$23,070
baseline
▲ 0.50% · 4.625%
HK$24,286
+HK$1,216/mo
Deposit HK$1.85M · loan HK$4.31M · min. income ≈ HK$46,140/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$151,283 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,295
−HK$1,586/mo
▼ 0.25% · 3.875%
HK$26,082
−HK$799/mo
Today · 4.125%
HK$26,881
baseline
▲ 0.50% · 4.625%
HK$28,517
+HK$1,636/mo
Deposit HK$616K · loan HK$5.55M · min. income ≈ HK$53,762/mo (50% DSR)
Upfront cash ≈ HK$768K (deposit + AVD stamp duty HK$151,283 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,141
−HK$1,520/mo
▼ 0.25% · 3.875%
HK$28,895
−HK$766/mo
Today · 4.125%
HK$29,661
baseline
▲ 0.50% · 4.625%
HK$31,224
+HK$1,563/mo
Deposit HK$616K · loan HK$5.55M · min. income ≈ HK$59,322/mo (50% DSR)
Upfront cash ≈ HK$768K (deposit + AVD stamp duty HK$151,283 · 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).