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$14,051
−HK$881/mo
▼ 0.25% · 3.875%
HK$14,488
−HK$444/mo
Today · 4.125%
HK$14,932
baseline
▲ 0.50% · 4.625%
HK$15,840
+HK$908/mo
Deposit HK$3.08M · loan HK$3.08M · min. income ≈ HK$29,864/mo (50% DSR)
Upfront cash ≈ HK$3.23M (deposit + AVD stamp duty HK$151,187 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,631
−HK$845/mo
▼ 0.25% · 3.875%
HK$16,050
−HK$426/mo
Today · 4.125%
HK$16,476
baseline
▲ 0.50% · 4.625%
HK$17,344
+HK$868/mo
Deposit HK$3.08M · loan HK$3.08M · min. income ≈ HK$32,952/mo (50% DSR)
Upfront cash ≈ HK$3.23M (deposit + AVD stamp duty HK$151,187 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,861
−HK$1,057/mo
▼ 0.25% · 3.875%
HK$17,385
−HK$533/mo
Today · 4.125%
HK$17,918
baseline
▲ 0.50% · 4.625%
HK$19,008
+HK$1,090/mo
Deposit HK$2.46M · loan HK$3.70M · min. income ≈ HK$35,836/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$151,187 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,757
−HK$1,014/mo
▼ 0.25% · 3.875%
HK$19,260
−HK$511/mo
Today · 4.125%
HK$19,771
baseline
▲ 0.50% · 4.625%
HK$20,813
+HK$1,042/mo
Deposit HK$2.46M · loan HK$3.70M · min. income ≈ HK$39,542/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$151,187 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,671
−HK$1,233/mo
▼ 0.25% · 3.875%
HK$20,283
−HK$621/mo
Today · 4.125%
HK$20,904
baseline
▲ 0.50% · 4.625%
HK$22,176
+HK$1,272/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$151,187 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,884
−HK$1,182/mo
▼ 0.25% · 3.875%
HK$22,471
−HK$595/mo
Today · 4.125%
HK$23,066
baseline
▲ 0.50% · 4.625%
HK$24,282
+HK$1,216/mo
Deposit HK$1.85M · loan HK$4.31M · min. income ≈ HK$46,132/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$151,187 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,291
−HK$1,586/mo
▼ 0.25% · 3.875%
HK$26,078
−HK$799/mo
Today · 4.125%
HK$26,877
baseline
▲ 0.50% · 4.625%
HK$28,513
+HK$1,636/mo
Deposit HK$616K · loan HK$5.55M · min. income ≈ HK$53,754/mo (50% DSR)
Upfront cash ≈ HK$767K (deposit + AVD stamp duty HK$151,187 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,136
−HK$1,520/mo
▼ 0.25% · 3.875%
HK$28,891
−HK$765/mo
Today · 4.125%
HK$29,656
baseline
▲ 0.50% · 4.625%
HK$31,219
+HK$1,563/mo
Deposit HK$616K · loan HK$5.55M · min. income ≈ HK$59,312/mo (50% DSR)
Upfront cash ≈ HK$767K (deposit + AVD stamp duty HK$151,187 · 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).