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$14,107
−HK$885/mo
▼ 0.25% · 3.875%
HK$14,546
−HK$446/mo
Today · 4.125%
HK$14,992
baseline
▲ 0.50% · 4.625%
HK$15,904
+HK$912/mo
Deposit HK$3.09M · loan HK$3.09M · min. income ≈ HK$29,984/mo (50% DSR)
Upfront cash ≈ HK$3.25M (deposit + AVD stamp duty HK$153,678 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,694
−HK$848/mo
▼ 0.25% · 3.875%
HK$16,115
−HK$427/mo
Today · 4.125%
HK$16,542
baseline
▲ 0.50% · 4.625%
HK$17,414
+HK$872/mo
Deposit HK$3.09M · loan HK$3.09M · min. income ≈ HK$33,084/mo (50% DSR)
Upfront cash ≈ HK$3.25M (deposit + AVD stamp duty HK$153,678 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,929
−HK$1,062/mo
▼ 0.25% · 3.875%
HK$17,455
−HK$536/mo
Today · 4.125%
HK$17,991
baseline
▲ 0.50% · 4.625%
HK$19,085
+HK$1,094/mo
Deposit HK$2.47M · loan HK$3.71M · min. income ≈ HK$35,982/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$153,678 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,833
−HK$1,018/mo
▼ 0.25% · 3.875%
HK$19,338
−HK$513/mo
Today · 4.125%
HK$19,851
baseline
▲ 0.50% · 4.625%
HK$20,897
+HK$1,046/mo
Deposit HK$2.47M · loan HK$3.71M · min. income ≈ HK$39,702/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$153,678 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,750
−HK$1,239/mo
▼ 0.25% · 3.875%
HK$20,365
−HK$624/mo
Today · 4.125%
HK$20,989
baseline
▲ 0.50% · 4.625%
HK$22,266
+HK$1,277/mo
Deposit HK$1.86M · loan HK$4.33M · min. income ≈ HK$41,978/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$153,678 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,972
−HK$1,187/mo
▼ 0.25% · 3.875%
HK$22,561
−HK$598/mo
Today · 4.125%
HK$23,159
baseline
▲ 0.50% · 4.625%
HK$24,380
+HK$1,221/mo
Deposit HK$1.86M · loan HK$4.33M · min. income ≈ HK$46,318/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$153,678 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,393
−HK$1,593/mo
▼ 0.25% · 3.875%
HK$26,183
−HK$803/mo
Today · 4.125%
HK$26,986
baseline
▲ 0.50% · 4.625%
HK$28,628
+HK$1,642/mo
Deposit HK$619K · loan HK$5.57M · min. income ≈ HK$53,972/mo (50% DSR)
Upfront cash ≈ HK$772K (deposit + AVD stamp duty HK$153,678 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,250
−HK$1,526/mo
▼ 0.25% · 3.875%
HK$29,008
−HK$768/mo
Today · 4.125%
HK$29,776
baseline
▲ 0.50% · 4.625%
HK$31,346
+HK$1,570/mo
Deposit HK$619K · loan HK$5.57M · min. income ≈ HK$59,552/mo (50% DSR)
Upfront cash ≈ HK$772K (deposit + AVD stamp duty HK$153,678 · 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).