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$14,541
−HK$446/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$153,468 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,689
−HK$848/mo
▼ 0.25% · 3.875%
HK$16,110
−HK$427/mo
Today · 4.125%
HK$16,537
baseline
▲ 0.50% · 4.625%
HK$17,408
+HK$871/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$153,468 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,923
−HK$1,061/mo
▼ 0.25% · 3.875%
HK$17,450
−HK$534/mo
Today · 4.125%
HK$17,984
baseline
▲ 0.50% · 4.625%
HK$19,079
+HK$1,095/mo
Deposit HK$2.47M · loan HK$3.71M · min. income ≈ HK$35,968/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$153,468 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,827
−HK$1,017/mo
▼ 0.25% · 3.875%
HK$19,332
−HK$512/mo
Today · 4.125%
HK$19,844
baseline
▲ 0.50% · 4.625%
HK$20,890
+HK$1,046/mo
Deposit HK$2.47M · loan HK$3.71M · min. income ≈ HK$39,688/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$153,468 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,744
−HK$1,238/mo
▼ 0.25% · 3.875%
HK$20,358
−HK$624/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$153,468 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,965
−HK$1,186/mo
▼ 0.25% · 3.875%
HK$22,554
−HK$597/mo
Today · 4.125%
HK$23,151
baseline
▲ 0.50% · 4.625%
HK$24,372
+HK$1,221/mo
Deposit HK$1.86M · loan HK$4.33M · min. income ≈ HK$46,302/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$153,468 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,385
−HK$1,592/mo
▼ 0.25% · 3.875%
HK$26,174
−HK$803/mo
Today · 4.125%
HK$26,977
baseline
▲ 0.50% · 4.625%
HK$28,618
+HK$1,641/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$153,468 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,240
−HK$1,526/mo
▼ 0.25% · 3.875%
HK$28,998
−HK$768/mo
Today · 4.125%
HK$29,766
baseline
▲ 0.50% · 4.625%
HK$31,335
+HK$1,569/mo
Deposit HK$618K · loan HK$5.57M · min. income ≈ HK$59,532/mo (50% DSR)
Upfront cash ≈ HK$772K (deposit + AVD stamp duty HK$153,468 · 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).