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$14,073
−HK$883/mo
▼ 0.25% · 3.875%
HK$14,511
−HK$445/mo
Today · 4.125%
HK$14,956
baseline
▲ 0.50% · 4.625%
HK$15,866
+HK$910/mo
Deposit HK$3.09M · loan HK$3.09M · min. income ≈ HK$29,912/mo (50% DSR)
Upfront cash ≈ HK$3.24M (deposit + AVD stamp duty HK$152,168 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,656
−HK$846/mo
▼ 0.25% · 3.875%
HK$16,076
−HK$426/mo
Today · 4.125%
HK$16,502
baseline
▲ 0.50% · 4.625%
HK$17,372
+HK$870/mo
Deposit HK$3.09M · loan HK$3.09M · min. income ≈ HK$33,004/mo (50% DSR)
Upfront cash ≈ HK$3.24M (deposit + AVD stamp duty HK$152,168 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,888
−HK$1,059/mo
▼ 0.25% · 3.875%
HK$17,413
−HK$534/mo
Today · 4.125%
HK$17,947
baseline
▲ 0.50% · 4.625%
HK$19,039
+HK$1,092/mo
Deposit HK$2.47M · loan HK$3.70M · min. income ≈ HK$35,894/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$152,168 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,787
−HK$1,015/mo
▼ 0.25% · 3.875%
HK$19,291
−HK$511/mo
Today · 4.125%
HK$19,802
baseline
▲ 0.50% · 4.625%
HK$20,846
+HK$1,044/mo
Deposit HK$2.47M · loan HK$3.70M · min. income ≈ HK$39,604/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$152,168 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,702
−HK$1,236/mo
▼ 0.25% · 3.875%
HK$20,315
−HK$623/mo
Today · 4.125%
HK$20,938
baseline
▲ 0.50% · 4.625%
HK$22,212
+HK$1,274/mo
Deposit HK$1.85M · loan HK$4.32M · min. income ≈ HK$41,876/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$152,168 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,919
−HK$1,184/mo
▼ 0.25% · 3.875%
HK$22,506
−HK$597/mo
Today · 4.125%
HK$23,103
baseline
▲ 0.50% · 4.625%
HK$24,320
+HK$1,217/mo
Deposit HK$1.85M · loan HK$4.32M · min. income ≈ HK$46,206/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$152,168 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,331
−HK$1,589/mo
▼ 0.25% · 3.875%
HK$26,119
−HK$801/mo
Today · 4.125%
HK$26,920
baseline
▲ 0.50% · 4.625%
HK$28,558
+HK$1,638/mo
Deposit HK$617K · loan HK$5.55M · min. income ≈ HK$53,840/mo (50% DSR)
Upfront cash ≈ HK$769K (deposit + AVD stamp duty HK$152,168 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,181
−HK$1,522/mo
▼ 0.25% · 3.875%
HK$28,937
−HK$766/mo
Today · 4.125%
HK$29,703
baseline
▲ 0.50% · 4.625%
HK$31,269
+HK$1,566/mo
Deposit HK$617K · loan HK$5.55M · min. income ≈ HK$59,406/mo (50% DSR)
Upfront cash ≈ HK$769K (deposit + AVD stamp duty HK$152,168 · 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).