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$884/mo
▼ 0.25% · 3.875%
HK$14,545
−HK$445/mo
Today · 4.125%
HK$14,990
baseline
▲ 0.50% · 4.625%
HK$15,902
+HK$912/mo
Deposit HK$3.09M · loan HK$3.09M · min. income ≈ HK$29,980/mo (50% DSR)
Upfront cash ≈ HK$3.25M (deposit + AVD stamp duty HK$153,606 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,693
−HK$847/mo
▼ 0.25% · 3.875%
HK$16,113
−HK$427/mo
Today · 4.125%
HK$16,540
baseline
▲ 0.50% · 4.625%
HK$17,412
+HK$872/mo
Deposit HK$3.09M · loan HK$3.09M · min. income ≈ HK$33,080/mo (50% DSR)
Upfront cash ≈ HK$3.25M (deposit + AVD stamp duty HK$153,606 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,927
−HK$1,061/mo
▼ 0.25% · 3.875%
HK$17,453
−HK$535/mo
Today · 4.125%
HK$17,988
baseline
▲ 0.50% · 4.625%
HK$19,083
+HK$1,095/mo
Deposit HK$2.47M · loan HK$3.71M · min. income ≈ HK$35,976/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$153,606 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,831
−HK$1,017/mo
▼ 0.25% · 3.875%
HK$19,336
−HK$512/mo
Today · 4.125%
HK$19,848
baseline
▲ 0.50% · 4.625%
HK$20,895
+HK$1,047/mo
Deposit HK$2.47M · loan HK$3.71M · min. income ≈ HK$39,696/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$153,606 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,748
−HK$1,238/mo
▼ 0.25% · 3.875%
HK$20,362
−HK$624/mo
Today · 4.125%
HK$20,986
baseline
▲ 0.50% · 4.625%
HK$22,263
+HK$1,277/mo
Deposit HK$1.86M · loan HK$4.33M · min. income ≈ HK$41,972/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$153,606 · 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$24,377
+HK$1,220/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$153,606 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,390
−HK$1,593/mo
▼ 0.25% · 3.875%
HK$26,180
−HK$803/mo
Today · 4.125%
HK$26,983
baseline
▲ 0.50% · 4.625%
HK$28,624
+HK$1,641/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$153,606 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,247
−HK$1,526/mo
▼ 0.25% · 3.875%
HK$29,004
−HK$769/mo
Today · 4.125%
HK$29,773
baseline
▲ 0.50% · 4.625%
HK$31,342
+HK$1,569/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$153,606 · 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).