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$14,108
−HK$885/mo
▼ 0.25% · 3.875%
HK$14,547
−HK$446/mo
Today · 4.125%
HK$14,993
baseline
▲ 0.50% · 4.625%
HK$15,905
+HK$912/mo
Deposit HK$3.09M · loan HK$3.09M · min. income ≈ HK$29,986/mo (50% DSR)
Upfront cash ≈ HK$3.25M (deposit + AVD stamp duty HK$153,708 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,695
−HK$848/mo
▼ 0.25% · 3.875%
HK$16,116
−HK$427/mo
Today · 4.125%
HK$16,543
baseline
▲ 0.50% · 4.625%
HK$17,415
+HK$872/mo
Deposit HK$3.09M · loan HK$3.09M · min. income ≈ HK$33,086/mo (50% DSR)
Upfront cash ≈ HK$3.25M (deposit + AVD stamp duty HK$153,708 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,930
−HK$1,061/mo
▼ 0.25% · 3.875%
HK$17,456
−HK$535/mo
Today · 4.125%
HK$17,991
baseline
▲ 0.50% · 4.625%
HK$19,086
+HK$1,095/mo
Deposit HK$2.47M · loan HK$3.71M · min. income ≈ HK$35,982/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$153,708 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,834
−HK$1,018/mo
▼ 0.25% · 3.875%
HK$19,339
−HK$513/mo
Today · 4.125%
HK$19,852
baseline
▲ 0.50% · 4.625%
HK$20,898
+HK$1,046/mo
Deposit HK$2.47M · loan HK$3.71M · min. income ≈ HK$39,704/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$153,708 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,751
−HK$1,239/mo
▼ 0.25% · 3.875%
HK$20,366
−HK$624/mo
Today · 4.125%
HK$20,990
baseline
▲ 0.50% · 4.625%
HK$22,267
+HK$1,277/mo
Deposit HK$1.86M · loan HK$4.33M · min. income ≈ HK$41,980/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$153,708 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,973
−HK$1,187/mo
▼ 0.25% · 3.875%
HK$22,562
−HK$598/mo
Today · 4.125%
HK$23,160
baseline
▲ 0.50% · 4.625%
HK$24,381
+HK$1,221/mo
Deposit HK$1.86M · loan HK$4.33M · min. income ≈ HK$46,320/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$153,708 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,395
−HK$1,592/mo
▼ 0.25% · 3.875%
HK$26,185
−HK$802/mo
Today · 4.125%
HK$26,987
baseline
▲ 0.50% · 4.625%
HK$28,629
+HK$1,642/mo
Deposit HK$619K · loan HK$5.57M · min. income ≈ HK$53,974/mo (50% DSR)
Upfront cash ≈ HK$772K (deposit + AVD stamp duty HK$153,708 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,251
−HK$1,527/mo
▼ 0.25% · 3.875%
HK$29,009
−HK$769/mo
Today · 4.125%
HK$29,778
baseline
▲ 0.50% · 4.625%
HK$31,347
+HK$1,569/mo
Deposit HK$619K · loan HK$5.57M · min. income ≈ HK$59,556/mo (50% DSR)
Upfront cash ≈ HK$772K (deposit + AVD stamp duty HK$153,708 · 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).