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$14,103
−HK$884/mo
▼ 0.25% · 3.875%
HK$14,542
−HK$445/mo
Today · 4.125%
HK$14,987
baseline
▲ 0.50% · 4.625%
HK$15,899
+HK$912/mo
Deposit HK$3.09M · loan HK$3.09M · min. income ≈ HK$29,974/mo (50% DSR)
Upfront cash ≈ HK$3.25M (deposit + AVD stamp duty HK$153,488 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,690
−HK$847/mo
▼ 0.25% · 3.875%
HK$16,110
−HK$427/mo
Today · 4.125%
HK$16,537
baseline
▲ 0.50% · 4.625%
HK$17,409
+HK$872/mo
Deposit HK$3.09M · loan HK$3.09M · min. income ≈ HK$33,074/mo (50% DSR)
Upfront cash ≈ HK$3.25M (deposit + AVD stamp duty HK$153,488 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,924
−HK$1,061/mo
▼ 0.25% · 3.875%
HK$17,450
−HK$535/mo
Today · 4.125%
HK$17,985
baseline
▲ 0.50% · 4.625%
HK$19,079
+HK$1,094/mo
Deposit HK$2.47M · loan HK$3.71M · min. income ≈ HK$35,970/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$153,488 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,827
−HK$1,018/mo
▼ 0.25% · 3.875%
HK$19,332
−HK$513/mo
Today · 4.125%
HK$19,845
baseline
▲ 0.50% · 4.625%
HK$20,891
+HK$1,046/mo
Deposit HK$2.47M · loan HK$3.71M · min. income ≈ HK$39,690/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$153,488 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,744
−HK$1,238/mo
▼ 0.25% · 3.875%
HK$20,359
−HK$623/mo
Today · 4.125%
HK$20,982
baseline
▲ 0.50% · 4.625%
HK$22,259
+HK$1,277/mo
Deposit HK$1.86M · loan HK$4.33M · min. income ≈ HK$41,964/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$153,488 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,965
−HK$1,187/mo
▼ 0.25% · 3.875%
HK$22,554
−HK$598/mo
Today · 4.125%
HK$23,152
baseline
▲ 0.50% · 4.625%
HK$24,372
+HK$1,220/mo
Deposit HK$1.86M · loan HK$4.33M · min. income ≈ HK$46,304/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$153,488 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,386
−HK$1,591/mo
▼ 0.25% · 3.875%
HK$26,175
−HK$802/mo
Today · 4.125%
HK$26,977
baseline
▲ 0.50% · 4.625%
HK$28,619
+HK$1,642/mo
Deposit HK$618K · loan HK$5.57M · min. income ≈ HK$53,954/mo (50% DSR)
Upfront cash ≈ HK$772K (deposit + AVD stamp duty HK$153,488 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,241
−HK$1,526/mo
▼ 0.25% · 3.875%
HK$28,999
−HK$768/mo
Today · 4.125%
HK$29,767
baseline
▲ 0.50% · 4.625%
HK$31,336
+HK$1,569/mo
Deposit HK$618K · loan HK$5.57M · min. income ≈ HK$59,534/mo (50% DSR)
Upfront cash ≈ HK$772K (deposit + AVD stamp duty HK$153,488 · 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).