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$14,115
−HK$885/mo
▼ 0.25% · 3.875%
HK$14,554
−HK$446/mo
Today · 4.125%
HK$15,000
baseline
▲ 0.50% · 4.625%
HK$15,913
+HK$913/mo
Deposit HK$3.10M · loan HK$3.10M · min. income ≈ HK$30,000/mo (50% DSR)
Upfront cash ≈ HK$3.25M (deposit + AVD stamp duty HK$154,021 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,703
−HK$848/mo
▼ 0.25% · 3.875%
HK$16,124
−HK$427/mo
Today · 4.125%
HK$16,551
baseline
▲ 0.50% · 4.625%
HK$17,424
+HK$873/mo
Deposit HK$3.10M · loan HK$3.10M · min. income ≈ HK$33,102/mo (50% DSR)
Upfront cash ≈ HK$3.25M (deposit + AVD stamp duty HK$154,021 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,938
−HK$1,062/mo
▼ 0.25% · 3.875%
HK$17,465
−HK$535/mo
Today · 4.125%
HK$18,000
baseline
▲ 0.50% · 4.625%
HK$19,096
+HK$1,096/mo
Deposit HK$2.48M · loan HK$3.71M · min. income ≈ HK$36,000/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$154,021 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,844
−HK$1,018/mo
▼ 0.25% · 3.875%
HK$19,349
−HK$513/mo
Today · 4.125%
HK$19,862
baseline
▲ 0.50% · 4.625%
HK$20,909
+HK$1,047/mo
Deposit HK$2.48M · loan HK$3.71M · min. income ≈ HK$39,724/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$154,021 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,761
−HK$1,240/mo
▼ 0.25% · 3.875%
HK$20,376
−HK$625/mo
Today · 4.125%
HK$21,001
baseline
▲ 0.50% · 4.625%
HK$22,278
+HK$1,277/mo
Deposit HK$1.86M · loan HK$4.33M · min. income ≈ HK$42,002/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$154,021 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,984
−HK$1,188/mo
▼ 0.25% · 3.875%
HK$22,574
−HK$598/mo
Today · 4.125%
HK$23,172
baseline
▲ 0.50% · 4.625%
HK$24,393
+HK$1,221/mo
Deposit HK$1.86M · loan HK$4.33M · min. income ≈ HK$46,344/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$154,021 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,407
−HK$1,594/mo
▼ 0.25% · 3.875%
HK$26,198
−HK$803/mo
Today · 4.125%
HK$27,001
baseline
▲ 0.50% · 4.625%
HK$28,644
+HK$1,643/mo
Deposit HK$619K · loan HK$5.57M · min. income ≈ HK$54,002/mo (50% DSR)
Upfront cash ≈ HK$773K (deposit + AVD stamp duty HK$154,021 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,266
−HK$1,527/mo
▼ 0.25% · 3.875%
HK$29,024
−HK$769/mo
Today · 4.125%
HK$29,793
baseline
▲ 0.50% · 4.625%
HK$31,363
+HK$1,570/mo
Deposit HK$619K · loan HK$5.57M · min. income ≈ HK$59,586/mo (50% DSR)
Upfront cash ≈ HK$773K (deposit + AVD stamp duty HK$154,021 · 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).