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$14,110
−HK$884/mo
▼ 0.25% · 3.875%
HK$14,548
−HK$446/mo
Today · 4.125%
HK$14,994
baseline
▲ 0.50% · 4.625%
HK$15,907
+HK$913/mo
Deposit HK$3.09M · loan HK$3.09M · min. income ≈ HK$29,988/mo (50% DSR)
Upfront cash ≈ HK$3.25M (deposit + AVD stamp duty HK$153,771 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,697
−HK$848/mo
▼ 0.25% · 3.875%
HK$16,118
−HK$427/mo
Today · 4.125%
HK$16,545
baseline
▲ 0.50% · 4.625%
HK$17,417
+HK$872/mo
Deposit HK$3.09M · loan HK$3.09M · min. income ≈ HK$33,090/mo (50% DSR)
Upfront cash ≈ HK$3.25M (deposit + AVD stamp duty HK$153,771 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,931
−HK$1,062/mo
▼ 0.25% · 3.875%
HK$17,458
−HK$535/mo
Today · 4.125%
HK$17,993
baseline
▲ 0.50% · 4.625%
HK$19,088
+HK$1,095/mo
Deposit HK$2.48M · loan HK$3.71M · min. income ≈ HK$35,986/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$153,771 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,836
−HK$1,018/mo
▼ 0.25% · 3.875%
HK$19,341
−HK$513/mo
Today · 4.125%
HK$19,854
baseline
▲ 0.50% · 4.625%
HK$20,900
+HK$1,046/mo
Deposit HK$2.48M · loan HK$3.71M · min. income ≈ HK$39,708/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$153,771 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,753
−HK$1,239/mo
▼ 0.25% · 3.875%
HK$20,368
−HK$624/mo
Today · 4.125%
HK$20,992
baseline
▲ 0.50% · 4.625%
HK$22,269
+HK$1,277/mo
Deposit HK$1.86M · loan HK$4.33M · min. income ≈ HK$41,984/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$153,771 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,975
−HK$1,188/mo
▼ 0.25% · 3.875%
HK$22,565
−HK$598/mo
Today · 4.125%
HK$23,163
baseline
▲ 0.50% · 4.625%
HK$24,384
+HK$1,221/mo
Deposit HK$1.86M · loan HK$4.33M · min. income ≈ HK$46,326/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$153,771 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,397
−HK$1,593/mo
▼ 0.25% · 3.875%
HK$26,187
−HK$803/mo
Today · 4.125%
HK$26,990
baseline
▲ 0.50% · 4.625%
HK$28,632
+HK$1,642/mo
Deposit HK$619K · loan HK$5.57M · min. income ≈ HK$53,980/mo (50% DSR)
Upfront cash ≈ HK$773K (deposit + AVD stamp duty HK$153,771 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,254
−HK$1,527/mo
▼ 0.25% · 3.875%
HK$29,012
−HK$769/mo
Today · 4.125%
HK$29,781
baseline
▲ 0.50% · 4.625%
HK$31,350
+HK$1,569/mo
Deposit HK$619K · loan HK$5.57M · min. income ≈ HK$59,562/mo (50% DSR)
Upfront cash ≈ HK$773K (deposit + AVD stamp duty HK$153,771 · 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).