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$14,114
−HK$885/mo
▼ 0.25% · 3.875%
HK$14,553
−HK$446/mo
Today · 4.125%
HK$14,999
baseline
▲ 0.50% · 4.625%
HK$15,912
+HK$913/mo
Deposit HK$3.09M · loan HK$3.09M · min. income ≈ HK$29,998/mo (50% DSR)
Upfront cash ≈ HK$3.25M (deposit + AVD stamp duty HK$153,958 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,701
−HK$849/mo
▼ 0.25% · 3.875%
HK$16,123
−HK$427/mo
Today · 4.125%
HK$16,550
baseline
▲ 0.50% · 4.625%
HK$17,422
+HK$872/mo
Deposit HK$3.09M · loan HK$3.09M · min. income ≈ HK$33,100/mo (50% DSR)
Upfront cash ≈ HK$3.25M (deposit + AVD stamp duty HK$153,958 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,937
−HK$1,062/mo
▼ 0.25% · 3.875%
HK$17,463
−HK$536/mo
Today · 4.125%
HK$17,999
baseline
▲ 0.50% · 4.625%
HK$19,094
+HK$1,095/mo
Deposit HK$2.48M · loan HK$3.71M · min. income ≈ HK$35,998/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$153,958 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,842
−HK$1,018/mo
▼ 0.25% · 3.875%
HK$19,347
−HK$513/mo
Today · 4.125%
HK$19,860
baseline
▲ 0.50% · 4.625%
HK$20,907
+HK$1,047/mo
Deposit HK$2.48M · loan HK$3.71M · min. income ≈ HK$39,720/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$153,958 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,759
−HK$1,239/mo
▼ 0.25% · 3.875%
HK$20,374
−HK$624/mo
Today · 4.125%
HK$20,998
baseline
▲ 0.50% · 4.625%
HK$22,276
+HK$1,278/mo
Deposit HK$1.86M · loan HK$4.33M · min. income ≈ HK$41,996/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$153,958 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,982
−HK$1,188/mo
▼ 0.25% · 3.875%
HK$22,572
−HK$598/mo
Today · 4.125%
HK$23,170
baseline
▲ 0.50% · 4.625%
HK$24,391
+HK$1,221/mo
Deposit HK$1.86M · loan HK$4.33M · min. income ≈ HK$46,340/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$153,958 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,405
−HK$1,593/mo
▼ 0.25% · 3.875%
HK$26,195
−HK$803/mo
Today · 4.125%
HK$26,998
baseline
▲ 0.50% · 4.625%
HK$28,641
+HK$1,643/mo
Deposit HK$619K · loan HK$5.57M · min. income ≈ HK$53,996/mo (50% DSR)
Upfront cash ≈ HK$773K (deposit + AVD stamp duty HK$153,958 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,263
−HK$1,527/mo
▼ 0.25% · 3.875%
HK$29,021
−HK$769/mo
Today · 4.125%
HK$29,790
baseline
▲ 0.50% · 4.625%
HK$31,360
+HK$1,570/mo
Deposit HK$619K · loan HK$5.57M · min. income ≈ HK$59,580/mo (50% DSR)
Upfront cash ≈ HK$773K (deposit + AVD stamp duty HK$153,958 · 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).