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$14,112
−HK$885/mo
▼ 0.25% · 3.875%
HK$14,551
−HK$446/mo
Today · 4.125%
HK$14,997
baseline
▲ 0.50% · 4.625%
HK$15,909
+HK$912/mo
Deposit HK$3.09M · loan HK$3.09M · min. income ≈ HK$29,994/mo (50% DSR)
Upfront cash ≈ HK$3.25M (deposit + AVD stamp duty HK$153,872 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,699
−HK$848/mo
▼ 0.25% · 3.875%
HK$16,120
−HK$427/mo
Today · 4.125%
HK$16,547
baseline
▲ 0.50% · 4.625%
HK$17,420
+HK$873/mo
Deposit HK$3.09M · loan HK$3.09M · min. income ≈ HK$33,094/mo (50% DSR)
Upfront cash ≈ HK$3.25M (deposit + AVD stamp duty HK$153,872 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,934
−HK$1,062/mo
▼ 0.25% · 3.875%
HK$17,461
−HK$535/mo
Today · 4.125%
HK$17,996
baseline
▲ 0.50% · 4.625%
HK$19,091
+HK$1,095/mo
Deposit HK$2.48M · loan HK$3.71M · min. income ≈ HK$35,992/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$153,872 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,839
−HK$1,018/mo
▼ 0.25% · 3.875%
HK$19,344
−HK$513/mo
Today · 4.125%
HK$19,857
baseline
▲ 0.50% · 4.625%
HK$20,904
+HK$1,047/mo
Deposit HK$2.48M · loan HK$3.71M · min. income ≈ HK$39,714/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$153,872 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,757
−HK$1,238/mo
▼ 0.25% · 3.875%
HK$20,371
−HK$624/mo
Today · 4.125%
HK$20,995
baseline
▲ 0.50% · 4.625%
HK$22,273
+HK$1,278/mo
Deposit HK$1.86M · loan HK$4.33M · min. income ≈ HK$41,990/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$153,872 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,979
−HK$1,187/mo
▼ 0.25% · 3.875%
HK$22,568
−HK$598/mo
Today · 4.125%
HK$23,166
baseline
▲ 0.50% · 4.625%
HK$24,388
+HK$1,222/mo
Deposit HK$1.86M · loan HK$4.33M · min. income ≈ HK$46,332/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$153,872 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,401
−HK$1,593/mo
▼ 0.25% · 3.875%
HK$26,191
−HK$803/mo
Today · 4.125%
HK$26,994
baseline
▲ 0.50% · 4.625%
HK$28,637
+HK$1,643/mo
Deposit HK$619K · loan HK$5.57M · min. income ≈ HK$53,988/mo (50% DSR)
Upfront cash ≈ HK$773K (deposit + AVD stamp duty HK$153,872 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,259
−HK$1,526/mo
▼ 0.25% · 3.875%
HK$29,017
−HK$768/mo
Today · 4.125%
HK$29,785
baseline
▲ 0.50% · 4.625%
HK$31,355
+HK$1,570/mo
Deposit HK$619K · loan HK$5.57M · min. income ≈ HK$59,570/mo (50% DSR)
Upfront cash ≈ HK$773K (deposit + AVD stamp duty HK$153,872 · 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).