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$14,109
−HK$885/mo
▼ 0.25% · 3.875%
HK$14,548
−HK$446/mo
Today · 4.125%
HK$14,994
baseline
▲ 0.50% · 4.625%
HK$15,906
+HK$912/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$153,761 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,696
−HK$849/mo
▼ 0.25% · 3.875%
HK$16,117
−HK$428/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$153,761 · 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$153,761 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,836
−HK$1,017/mo
▼ 0.25% · 3.875%
HK$19,341
−HK$512/mo
Today · 4.125%
HK$19,853
baseline
▲ 0.50% · 4.625%
HK$20,900
+HK$1,047/mo
Deposit HK$2.48M · loan HK$3.71M · min. income ≈ HK$39,706/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$153,761 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,753
−HK$1,239/mo
▼ 0.25% · 3.875%
HK$20,367
−HK$625/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$153,761 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,975
−HK$1,187/mo
▼ 0.25% · 3.875%
HK$22,564
−HK$598/mo
Today · 4.125%
HK$23,162
baseline
▲ 0.50% · 4.625%
HK$24,383
+HK$1,221/mo
Deposit HK$1.86M · loan HK$4.33M · min. income ≈ HK$46,324/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$153,761 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,397
−HK$1,592/mo
▼ 0.25% · 3.875%
HK$26,187
−HK$802/mo
Today · 4.125%
HK$26,989
baseline
▲ 0.50% · 4.625%
HK$28,632
+HK$1,643/mo
Deposit HK$619K · loan HK$5.57M · min. income ≈ HK$53,978/mo (50% DSR)
Upfront cash ≈ HK$773K (deposit + AVD stamp duty HK$153,761 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,254
−HK$1,526/mo
▼ 0.25% · 3.875%
HK$29,011
−HK$769/mo
Today · 4.125%
HK$29,780
baseline
▲ 0.50% · 4.625%
HK$31,350
+HK$1,570/mo
Deposit HK$619K · loan HK$5.57M · min. income ≈ HK$59,560/mo (50% DSR)
Upfront cash ≈ HK$773K (deposit + AVD stamp duty HK$153,761 · 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).