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$14,099
−HK$884/mo
▼ 0.25% · 3.875%
HK$14,537
−HK$446/mo
Today · 4.125%
HK$14,983
baseline
▲ 0.50% · 4.625%
HK$15,894
+HK$911/mo
Deposit HK$3.09M · loan HK$3.09M · min. income ≈ HK$29,966/mo (50% DSR)
Upfront cash ≈ HK$3.24M (deposit + AVD stamp duty HK$153,294 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,685
−HK$847/mo
▼ 0.25% · 3.875%
HK$16,105
−HK$427/mo
Today · 4.125%
HK$16,532
baseline
▲ 0.50% · 4.625%
HK$17,403
+HK$871/mo
Deposit HK$3.09M · loan HK$3.09M · min. income ≈ HK$33,064/mo (50% DSR)
Upfront cash ≈ HK$3.24M (deposit + AVD stamp duty HK$153,294 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,918
−HK$1,061/mo
▼ 0.25% · 3.875%
HK$17,445
−HK$534/mo
Today · 4.125%
HK$17,979
baseline
▲ 0.50% · 4.625%
HK$19,073
+HK$1,094/mo
Deposit HK$2.47M · loan HK$3.71M · min. income ≈ HK$35,958/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$153,294 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,822
−HK$1,016/mo
▼ 0.25% · 3.875%
HK$19,326
−HK$512/mo
Today · 4.125%
HK$19,838
baseline
▲ 0.50% · 4.625%
HK$20,884
+HK$1,046/mo
Deposit HK$2.47M · loan HK$3.71M · min. income ≈ HK$39,676/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$153,294 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,738
−HK$1,238/mo
▼ 0.25% · 3.875%
HK$20,352
−HK$624/mo
Today · 4.125%
HK$20,976
baseline
▲ 0.50% · 4.625%
HK$22,252
+HK$1,276/mo
Deposit HK$1.85M · loan HK$4.33M · min. income ≈ HK$41,952/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$153,294 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,958
−HK$1,187/mo
▼ 0.25% · 3.875%
HK$22,547
−HK$598/mo
Today · 4.125%
HK$23,145
baseline
▲ 0.50% · 4.625%
HK$24,365
+HK$1,220/mo
Deposit HK$1.85M · loan HK$4.33M · min. income ≈ HK$46,290/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$153,294 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,378
−HK$1,591/mo
▼ 0.25% · 3.875%
HK$26,167
−HK$802/mo
Today · 4.125%
HK$26,969
baseline
▲ 0.50% · 4.625%
HK$28,610
+HK$1,641/mo
Deposit HK$618K · loan HK$5.56M · min. income ≈ HK$53,938/mo (50% DSR)
Upfront cash ≈ HK$772K (deposit + AVD stamp duty HK$153,294 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,232
−HK$1,526/mo
▼ 0.25% · 3.875%
HK$28,990
−HK$768/mo
Today · 4.125%
HK$29,758
baseline
▲ 0.50% · 4.625%
HK$31,326
+HK$1,568/mo
Deposit HK$618K · loan HK$5.56M · min. income ≈ HK$59,516/mo (50% DSR)
Upfront cash ≈ HK$772K (deposit + AVD stamp duty HK$153,294 · 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).