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$14,113
−HK$885/mo
▼ 0.25% · 3.875%
HK$14,552
−HK$446/mo
Today · 4.125%
HK$14,998
baseline
▲ 0.50% · 4.625%
HK$15,910
+HK$912/mo
Deposit HK$3.09M · loan HK$3.09M · min. income ≈ HK$29,996/mo (50% DSR)
Upfront cash ≈ HK$3.25M (deposit + AVD stamp duty HK$153,906 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,700
−HK$848/mo
▼ 0.25% · 3.875%
HK$16,121
−HK$427/mo
Today · 4.125%
HK$16,548
baseline
▲ 0.50% · 4.625%
HK$17,421
+HK$873/mo
Deposit HK$3.09M · loan HK$3.09M · min. income ≈ HK$33,096/mo (50% DSR)
Upfront cash ≈ HK$3.25M (deposit + AVD stamp duty HK$153,906 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,935
−HK$1,062/mo
▼ 0.25% · 3.875%
HK$17,462
−HK$535/mo
Today · 4.125%
HK$17,997
baseline
▲ 0.50% · 4.625%
HK$19,092
+HK$1,095/mo
Deposit HK$2.48M · loan HK$3.71M · min. income ≈ HK$35,994/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$153,906 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,840
−HK$1,018/mo
▼ 0.25% · 3.875%
HK$19,345
−HK$513/mo
Today · 4.125%
HK$19,858
baseline
▲ 0.50% · 4.625%
HK$20,905
+HK$1,047/mo
Deposit HK$2.48M · loan HK$3.71M · min. income ≈ HK$39,716/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$153,906 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,758
−HK$1,239/mo
▼ 0.25% · 3.875%
HK$20,372
−HK$625/mo
Today · 4.125%
HK$20,997
baseline
▲ 0.50% · 4.625%
HK$22,274
+HK$1,277/mo
Deposit HK$1.86M · loan HK$4.33M · min. income ≈ HK$41,994/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$153,906 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,980
−HK$1,188/mo
▼ 0.25% · 3.875%
HK$22,570
−HK$598/mo
Today · 4.125%
HK$23,168
baseline
▲ 0.50% · 4.625%
HK$24,389
+HK$1,221/mo
Deposit HK$1.86M · loan HK$4.33M · min. income ≈ HK$46,336/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$153,906 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,403
−HK$1,593/mo
▼ 0.25% · 3.875%
HK$26,193
−HK$803/mo
Today · 4.125%
HK$26,996
baseline
▲ 0.50% · 4.625%
HK$28,638
+HK$1,642/mo
Deposit HK$619K · loan HK$5.57M · min. income ≈ HK$53,992/mo (50% DSR)
Upfront cash ≈ HK$773K (deposit + AVD stamp duty HK$153,906 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,260
−HK$1,527/mo
▼ 0.25% · 3.875%
HK$29,018
−HK$769/mo
Today · 4.125%
HK$29,787
baseline
▲ 0.50% · 4.625%
HK$31,357
+HK$1,570/mo
Deposit HK$619K · loan HK$5.57M · min. income ≈ HK$59,574/mo (50% DSR)
Upfront cash ≈ HK$773K (deposit + AVD stamp duty HK$153,906 · 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).