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$885/mo
▼ 0.25% · 3.875%
HK$14,549
−HK$446/mo
Today · 4.125%
HK$14,995
baseline
▲ 0.50% · 4.625%
HK$15,908
+HK$913/mo
Deposit HK$3.09M · loan HK$3.09M · min. income ≈ HK$29,990/mo (50% DSR)
Upfront cash ≈ HK$3.25M (deposit + AVD stamp duty HK$153,808 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,698
−HK$848/mo
▼ 0.25% · 3.875%
HK$16,119
−HK$427/mo
Today · 4.125%
HK$16,546
baseline
▲ 0.50% · 4.625%
HK$17,418
+HK$872/mo
Deposit HK$3.09M · loan HK$3.09M · min. income ≈ HK$33,092/mo (50% DSR)
Upfront cash ≈ HK$3.25M (deposit + AVD stamp duty HK$153,808 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,932
−HK$1,062/mo
▼ 0.25% · 3.875%
HK$17,459
−HK$535/mo
Today · 4.125%
HK$17,994
baseline
▲ 0.50% · 4.625%
HK$19,089
+HK$1,095/mo
Deposit HK$2.48M · loan HK$3.71M · min. income ≈ HK$35,988/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$153,808 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,837
−HK$1,018/mo
▼ 0.25% · 3.875%
HK$19,342
−HK$513/mo
Today · 4.125%
HK$19,855
baseline
▲ 0.50% · 4.625%
HK$20,902
+HK$1,047/mo
Deposit HK$2.48M · loan HK$3.71M · min. income ≈ HK$39,710/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$153,808 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,755
−HK$1,238/mo
▼ 0.25% · 3.875%
HK$20,369
−HK$624/mo
Today · 4.125%
HK$20,993
baseline
▲ 0.50% · 4.625%
HK$22,271
+HK$1,278/mo
Deposit HK$1.86M · loan HK$4.33M · min. income ≈ HK$41,986/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$153,808 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,977
−HK$1,187/mo
▼ 0.25% · 3.875%
HK$22,566
−HK$598/mo
Today · 4.125%
HK$23,164
baseline
▲ 0.50% · 4.625%
HK$24,385
+HK$1,221/mo
Deposit HK$1.86M · loan HK$4.33M · min. income ≈ HK$46,328/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$153,808 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,399
−HK$1,592/mo
▼ 0.25% · 3.875%
HK$26,189
−HK$802/mo
Today · 4.125%
HK$26,991
baseline
▲ 0.50% · 4.625%
HK$28,634
+HK$1,643/mo
Deposit HK$619K · loan HK$5.57M · min. income ≈ HK$53,982/mo (50% DSR)
Upfront cash ≈ HK$773K (deposit + AVD stamp duty HK$153,808 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,256
−HK$1,526/mo
▼ 0.25% · 3.875%
HK$29,014
−HK$768/mo
Today · 4.125%
HK$29,782
baseline
▲ 0.50% · 4.625%
HK$31,352
+HK$1,570/mo
Deposit HK$619K · loan HK$5.57M · min. income ≈ HK$59,564/mo (50% DSR)
Upfront cash ≈ HK$773K (deposit + AVD stamp duty HK$153,808 · 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).