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$14,106
−HK$885/mo
▼ 0.25% · 3.875%
HK$14,545
−HK$446/mo
Today · 4.125%
HK$14,991
baseline
▲ 0.50% · 4.625%
HK$15,903
+HK$912/mo
Deposit HK$3.09M · loan HK$3.09M · min. income ≈ HK$29,982/mo (50% DSR)
Upfront cash ≈ HK$3.25M (deposit + AVD stamp duty HK$153,636 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,693
−HK$848/mo
▼ 0.25% · 3.875%
HK$16,114
−HK$427/mo
Today · 4.125%
HK$16,541
baseline
▲ 0.50% · 4.625%
HK$17,413
+HK$872/mo
Deposit HK$3.09M · loan HK$3.09M · min. income ≈ HK$33,082/mo (50% DSR)
Upfront cash ≈ HK$3.25M (deposit + AVD stamp duty HK$153,636 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,928
−HK$1,061/mo
▼ 0.25% · 3.875%
HK$17,454
−HK$535/mo
Today · 4.125%
HK$17,989
baseline
▲ 0.50% · 4.625%
HK$19,084
+HK$1,095/mo
Deposit HK$2.47M · loan HK$3.71M · min. income ≈ HK$35,978/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$153,636 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,832
−HK$1,017/mo
▼ 0.25% · 3.875%
HK$19,337
−HK$512/mo
Today · 4.125%
HK$19,849
baseline
▲ 0.50% · 4.625%
HK$20,896
+HK$1,047/mo
Deposit HK$2.47M · loan HK$3.71M · min. income ≈ HK$39,698/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$153,636 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,749
−HK$1,239/mo
▼ 0.25% · 3.875%
HK$20,363
−HK$625/mo
Today · 4.125%
HK$20,988
baseline
▲ 0.50% · 4.625%
HK$22,265
+HK$1,277/mo
Deposit HK$1.86M · loan HK$4.33M · min. income ≈ HK$41,976/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$153,636 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,971
−HK$1,187/mo
▼ 0.25% · 3.875%
HK$22,560
−HK$598/mo
Today · 4.125%
HK$23,158
baseline
▲ 0.50% · 4.625%
HK$24,378
+HK$1,220/mo
Deposit HK$1.86M · loan HK$4.33M · min. income ≈ HK$46,316/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$153,636 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,392
−HK$1,592/mo
▼ 0.25% · 3.875%
HK$26,181
−HK$803/mo
Today · 4.125%
HK$26,984
baseline
▲ 0.50% · 4.625%
HK$28,626
+HK$1,642/mo
Deposit HK$619K · loan HK$5.57M · min. income ≈ HK$53,968/mo (50% DSR)
Upfront cash ≈ HK$772K (deposit + AVD stamp duty HK$153,636 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,248
−HK$1,526/mo
▼ 0.25% · 3.875%
HK$29,006
−HK$768/mo
Today · 4.125%
HK$29,774
baseline
▲ 0.50% · 4.625%
HK$31,344
+HK$1,570/mo
Deposit HK$619K · loan HK$5.57M · min. income ≈ HK$59,548/mo (50% DSR)
Upfront cash ≈ HK$772K (deposit + AVD stamp duty HK$153,636 · 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).