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$14,105
−HK$884/mo
▼ 0.25% · 3.875%
HK$14,544
−HK$445/mo
Today · 4.125%
HK$14,989
baseline
▲ 0.50% · 4.625%
HK$15,901
+HK$912/mo
Deposit HK$3.09M · loan HK$3.09M · min. income ≈ HK$29,978/mo (50% DSR)
Upfront cash ≈ HK$3.25M (deposit + AVD stamp duty HK$153,562 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,691
−HK$848/mo
▼ 0.25% · 3.875%
HK$16,112
−HK$427/mo
Today · 4.125%
HK$16,539
baseline
▲ 0.50% · 4.625%
HK$17,411
+HK$872/mo
Deposit HK$3.09M · loan HK$3.09M · min. income ≈ HK$33,078/mo (50% DSR)
Upfront cash ≈ HK$3.25M (deposit + AVD stamp duty HK$153,562 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,926
−HK$1,061/mo
▼ 0.25% · 3.875%
HK$17,452
−HK$535/mo
Today · 4.125%
HK$17,987
baseline
▲ 0.50% · 4.625%
HK$19,082
+HK$1,095/mo
Deposit HK$2.47M · loan HK$3.71M · min. income ≈ HK$35,974/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$153,562 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,830
−HK$1,017/mo
▼ 0.25% · 3.875%
HK$19,335
−HK$512/mo
Today · 4.125%
HK$19,847
baseline
▲ 0.50% · 4.625%
HK$20,893
+HK$1,046/mo
Deposit HK$2.47M · loan HK$3.71M · min. income ≈ HK$39,694/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$153,562 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,747
−HK$1,238/mo
▼ 0.25% · 3.875%
HK$20,361
−HK$624/mo
Today · 4.125%
HK$20,985
baseline
▲ 0.50% · 4.625%
HK$22,262
+HK$1,277/mo
Deposit HK$1.86M · loan HK$4.33M · min. income ≈ HK$41,970/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$153,562 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,968
−HK$1,187/mo
▼ 0.25% · 3.875%
HK$22,557
−HK$598/mo
Today · 4.125%
HK$23,155
baseline
▲ 0.50% · 4.625%
HK$24,375
+HK$1,220/mo
Deposit HK$1.86M · loan HK$4.33M · min. income ≈ HK$46,310/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$153,562 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,389
−HK$1,592/mo
▼ 0.25% · 3.875%
HK$26,178
−HK$803/mo
Today · 4.125%
HK$26,981
baseline
▲ 0.50% · 4.625%
HK$28,622
+HK$1,641/mo
Deposit HK$619K · loan HK$5.57M · min. income ≈ HK$53,962/mo (50% DSR)
Upfront cash ≈ HK$772K (deposit + AVD stamp duty HK$153,562 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,245
−HK$1,526/mo
▼ 0.25% · 3.875%
HK$29,002
−HK$769/mo
Today · 4.125%
HK$29,771
baseline
▲ 0.50% · 4.625%
HK$31,340
+HK$1,569/mo
Deposit HK$619K · loan HK$5.57M · min. income ≈ HK$59,542/mo (50% DSR)
Upfront cash ≈ HK$772K (deposit + AVD stamp duty HK$153,562 · 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).