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$14,102
−HK$884/mo
▼ 0.25% · 3.875%
HK$14,540
−HK$446/mo
Today · 4.125%
HK$14,986
baseline
▲ 0.50% · 4.625%
HK$15,898
+HK$912/mo
Deposit HK$3.09M · loan HK$3.09M · min. income ≈ HK$29,972/mo (50% DSR)
Upfront cash ≈ HK$3.25M (deposit + AVD stamp duty HK$153,430 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,688
−HK$848/mo
▼ 0.25% · 3.875%
HK$16,109
−HK$427/mo
Today · 4.125%
HK$16,536
baseline
▲ 0.50% · 4.625%
HK$17,407
+HK$871/mo
Deposit HK$3.09M · loan HK$3.09M · min. income ≈ HK$33,072/mo (50% DSR)
Upfront cash ≈ HK$3.25M (deposit + AVD stamp duty HK$153,430 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,922
−HK$1,061/mo
▼ 0.25% · 3.875%
HK$17,449
−HK$534/mo
Today · 4.125%
HK$17,983
baseline
▲ 0.50% · 4.625%
HK$19,078
+HK$1,095/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$153,430 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,826
−HK$1,017/mo
▼ 0.25% · 3.875%
HK$19,331
−HK$512/mo
Today · 4.125%
HK$19,843
baseline
▲ 0.50% · 4.625%
HK$20,889
+HK$1,046/mo
Deposit HK$2.47M · loan HK$3.71M · min. income ≈ HK$39,686/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$153,430 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,742
−HK$1,239/mo
▼ 0.25% · 3.875%
HK$20,357
−HK$624/mo
Today · 4.125%
HK$20,981
baseline
▲ 0.50% · 4.625%
HK$22,257
+HK$1,276/mo
Deposit HK$1.86M · loan HK$4.33M · min. income ≈ HK$41,962/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$153,430 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,963
−HK$1,187/mo
▼ 0.25% · 3.875%
HK$22,552
−HK$598/mo
Today · 4.125%
HK$23,150
baseline
▲ 0.50% · 4.625%
HK$24,370
+HK$1,220/mo
Deposit HK$1.86M · loan HK$4.33M · min. income ≈ HK$46,300/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$153,430 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,383
−HK$1,592/mo
▼ 0.25% · 3.875%
HK$26,173
−HK$802/mo
Today · 4.125%
HK$26,975
baseline
▲ 0.50% · 4.625%
HK$28,616
+HK$1,641/mo
Deposit HK$618K · loan HK$5.57M · min. income ≈ HK$53,950/mo (50% DSR)
Upfront cash ≈ HK$772K (deposit + AVD stamp duty HK$153,430 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,239
−HK$1,525/mo
▼ 0.25% · 3.875%
HK$28,996
−HK$768/mo
Today · 4.125%
HK$29,764
baseline
▲ 0.50% · 4.625%
HK$31,333
+HK$1,569/mo
Deposit HK$618K · loan HK$5.57M · min. income ≈ HK$59,528/mo (50% DSR)
Upfront cash ≈ HK$772K (deposit + AVD stamp duty HK$153,430 · 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).