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$14,101
−HK$884/mo
▼ 0.25% · 3.875%
HK$14,540
−HK$445/mo
Today · 4.125%
HK$14,985
baseline
▲ 0.50% · 4.625%
HK$15,897
+HK$912/mo
Deposit HK$3.09M · loan HK$3.09M · min. income ≈ HK$29,970/mo (50% DSR)
Upfront cash ≈ HK$3.25M (deposit + AVD stamp duty HK$153,405 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,687
−HK$848/mo
▼ 0.25% · 3.875%
HK$16,108
−HK$427/mo
Today · 4.125%
HK$16,535
baseline
▲ 0.50% · 4.625%
HK$17,407
+HK$872/mo
Deposit HK$3.09M · loan HK$3.09M · min. income ≈ HK$33,070/mo (50% DSR)
Upfront cash ≈ HK$3.25M (deposit + AVD stamp duty HK$153,405 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,921
−HK$1,062/mo
▼ 0.25% · 3.875%
HK$17,448
−HK$535/mo
Today · 4.125%
HK$17,983
baseline
▲ 0.50% · 4.625%
HK$19,077
+HK$1,094/mo
Deposit HK$2.47M · loan HK$3.71M · min. income ≈ HK$35,966/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$153,405 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,825
−HK$1,017/mo
▼ 0.25% · 3.875%
HK$19,330
−HK$512/mo
Today · 4.125%
HK$19,842
baseline
▲ 0.50% · 4.625%
HK$20,888
+HK$1,046/mo
Deposit HK$2.47M · loan HK$3.71M · min. income ≈ HK$39,684/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$153,405 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,742
−HK$1,238/mo
▼ 0.25% · 3.875%
HK$20,356
−HK$624/mo
Today · 4.125%
HK$20,980
baseline
▲ 0.50% · 4.625%
HK$22,256
+HK$1,276/mo
Deposit HK$1.86M · loan HK$4.33M · min. income ≈ HK$41,960/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$153,405 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,962
−HK$1,187/mo
▼ 0.25% · 3.875%
HK$22,551
−HK$598/mo
Today · 4.125%
HK$23,149
baseline
▲ 0.50% · 4.625%
HK$24,369
+HK$1,220/mo
Deposit HK$1.86M · loan HK$4.33M · min. income ≈ HK$46,298/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$153,405 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,382
−HK$1,592/mo
▼ 0.25% · 3.875%
HK$26,172
−HK$802/mo
Today · 4.125%
HK$26,974
baseline
▲ 0.50% · 4.625%
HK$28,615
+HK$1,641/mo
Deposit HK$618K · loan HK$5.57M · min. income ≈ HK$53,948/mo (50% DSR)
Upfront cash ≈ HK$772K (deposit + AVD stamp duty HK$153,405 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,237
−HK$1,526/mo
▼ 0.25% · 3.875%
HK$28,995
−HK$768/mo
Today · 4.125%
HK$29,763
baseline
▲ 0.50% · 4.625%
HK$31,332
+HK$1,569/mo
Deposit HK$618K · loan HK$5.57M · min. income ≈ HK$59,526/mo (50% DSR)
Upfront cash ≈ HK$772K (deposit + AVD stamp duty HK$153,405 · 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).