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$14,104
−HK$884/mo
▼ 0.25% · 3.875%
HK$14,543
−HK$445/mo
Today · 4.125%
HK$14,988
baseline
▲ 0.50% · 4.625%
HK$15,900
+HK$912/mo
Deposit HK$3.09M · loan HK$3.09M · min. income ≈ HK$29,976/mo (50% DSR)
Upfront cash ≈ HK$3.25M (deposit + AVD stamp duty HK$153,524 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,690
−HK$848/mo
▼ 0.25% · 3.875%
HK$16,111
−HK$427/mo
Today · 4.125%
HK$16,538
baseline
▲ 0.50% · 4.625%
HK$17,410
+HK$872/mo
Deposit HK$3.09M · loan HK$3.09M · min. income ≈ HK$33,076/mo (50% DSR)
Upfront cash ≈ HK$3.25M (deposit + AVD stamp duty HK$153,524 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,925
−HK$1,061/mo
▼ 0.25% · 3.875%
HK$17,451
−HK$535/mo
Today · 4.125%
HK$17,986
baseline
▲ 0.50% · 4.625%
HK$19,080
+HK$1,094/mo
Deposit HK$2.47M · loan HK$3.71M · min. income ≈ HK$35,972/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$153,524 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,829
−HK$1,017/mo
▼ 0.25% · 3.875%
HK$19,334
−HK$512/mo
Today · 4.125%
HK$19,846
baseline
▲ 0.50% · 4.625%
HK$20,892
+HK$1,046/mo
Deposit HK$2.47M · loan HK$3.71M · min. income ≈ HK$39,692/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$153,524 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,746
−HK$1,238/mo
▼ 0.25% · 3.875%
HK$20,360
−HK$624/mo
Today · 4.125%
HK$20,984
baseline
▲ 0.50% · 4.625%
HK$22,261
+HK$1,277/mo
Deposit HK$1.86M · loan HK$4.33M · min. income ≈ HK$41,968/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$153,524 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,967
−HK$1,186/mo
▼ 0.25% · 3.875%
HK$22,556
−HK$597/mo
Today · 4.125%
HK$23,153
baseline
▲ 0.50% · 4.625%
HK$24,374
+HK$1,221/mo
Deposit HK$1.86M · loan HK$4.33M · min. income ≈ HK$46,306/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$153,524 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,387
−HK$1,592/mo
▼ 0.25% · 3.875%
HK$26,177
−HK$802/mo
Today · 4.125%
HK$26,979
baseline
▲ 0.50% · 4.625%
HK$28,621
+HK$1,642/mo
Deposit HK$619K · loan HK$5.57M · min. income ≈ HK$53,958/mo (50% DSR)
Upfront cash ≈ HK$772K (deposit + AVD stamp duty HK$153,524 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,243
−HK$1,526/mo
▼ 0.25% · 3.875%
HK$29,000
−HK$769/mo
Today · 4.125%
HK$29,769
baseline
▲ 0.50% · 4.625%
HK$31,338
+HK$1,569/mo
Deposit HK$619K · loan HK$5.57M · min. income ≈ HK$59,538/mo (50% DSR)
Upfront cash ≈ HK$772K (deposit + AVD stamp duty HK$153,524 · 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).