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$14,106
−HK$885/mo
▼ 0.25% · 3.875%
HK$14,545
−HK$446/mo
Today · 4.125%
HK$14,991
baseline
▲ 0.50% · 4.625%
HK$15,903
+HK$912/mo
Deposit HK$3.09M · loan HK$3.09M · min. income ≈ HK$29,982/mo (50% DSR)
Upfront cash ≈ HK$3.25M (deposit + AVD stamp duty HK$153,617 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,693
−HK$848/mo
▼ 0.25% · 3.875%
HK$16,114
−HK$427/mo
Today · 4.125%
HK$16,541
baseline
▲ 0.50% · 4.625%
HK$17,413
+HK$872/mo
Deposit HK$3.09M · loan HK$3.09M · min. income ≈ HK$33,082/mo (50% DSR)
Upfront cash ≈ HK$3.25M (deposit + AVD stamp duty HK$153,617 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,927
−HK$1,062/mo
▼ 0.25% · 3.875%
HK$17,454
−HK$535/mo
Today · 4.125%
HK$17,989
baseline
▲ 0.50% · 4.625%
HK$19,083
+HK$1,094/mo
Deposit HK$2.47M · loan HK$3.71M · min. income ≈ HK$35,978/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$153,617 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,831
−HK$1,018/mo
▼ 0.25% · 3.875%
HK$19,336
−HK$513/mo
Today · 4.125%
HK$19,849
baseline
▲ 0.50% · 4.625%
HK$20,895
+HK$1,046/mo
Deposit HK$2.47M · loan HK$3.71M · min. income ≈ HK$39,698/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$153,617 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,748
−HK$1,239/mo
▼ 0.25% · 3.875%
HK$20,363
−HK$624/mo
Today · 4.125%
HK$20,987
baseline
▲ 0.50% · 4.625%
HK$22,264
+HK$1,277/mo
Deposit HK$1.86M · loan HK$4.33M · min. income ≈ HK$41,974/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$153,617 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,970
−HK$1,187/mo
▼ 0.25% · 3.875%
HK$22,559
−HK$598/mo
Today · 4.125%
HK$23,157
baseline
▲ 0.50% · 4.625%
HK$24,378
+HK$1,221/mo
Deposit HK$1.86M · loan HK$4.33M · min. income ≈ HK$46,314/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$153,617 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,391
−HK$1,592/mo
▼ 0.25% · 3.875%
HK$26,181
−HK$802/mo
Today · 4.125%
HK$26,983
baseline
▲ 0.50% · 4.625%
HK$28,625
+HK$1,642/mo
Deposit HK$619K · loan HK$5.57M · min. income ≈ HK$53,966/mo (50% DSR)
Upfront cash ≈ HK$772K (deposit + AVD stamp duty HK$153,617 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,247
−HK$1,526/mo
▼ 0.25% · 3.875%
HK$29,005
−HK$768/mo
Today · 4.125%
HK$29,773
baseline
▲ 0.50% · 4.625%
HK$31,343
+HK$1,570/mo
Deposit HK$619K · loan HK$5.57M · min. income ≈ HK$59,546/mo (50% DSR)
Upfront cash ≈ HK$772K (deposit + AVD stamp duty HK$153,617 · 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).