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$14,102
−HK$884/mo
▼ 0.25% · 3.875%
HK$14,541
−HK$445/mo
Today · 4.125%
HK$14,986
baseline
▲ 0.50% · 4.625%
HK$15,898
+HK$912/mo
Deposit HK$3.09M · loan HK$3.09M · min. income ≈ HK$29,972/mo (50% DSR)
Upfront cash ≈ HK$3.25M (deposit + AVD stamp duty HK$153,441 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,688
−HK$848/mo
▼ 0.25% · 3.875%
HK$16,109
−HK$427/mo
Today · 4.125%
HK$16,536
baseline
▲ 0.50% · 4.625%
HK$17,408
+HK$872/mo
Deposit HK$3.09M · loan HK$3.09M · min. income ≈ HK$33,072/mo (50% DSR)
Upfront cash ≈ HK$3.25M (deposit + AVD stamp duty HK$153,441 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,922
−HK$1,062/mo
▼ 0.25% · 3.875%
HK$17,449
−HK$535/mo
Today · 4.125%
HK$17,984
baseline
▲ 0.50% · 4.625%
HK$19,078
+HK$1,094/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$153,441 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,826
−HK$1,017/mo
▼ 0.25% · 3.875%
HK$19,331
−HK$512/mo
Today · 4.125%
HK$19,843
baseline
▲ 0.50% · 4.625%
HK$20,889
+HK$1,046/mo
Deposit HK$2.47M · loan HK$3.71M · min. income ≈ HK$39,686/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$153,441 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,743
−HK$1,238/mo
▼ 0.25% · 3.875%
HK$20,357
−HK$624/mo
Today · 4.125%
HK$20,981
baseline
▲ 0.50% · 4.625%
HK$22,258
+HK$1,277/mo
Deposit HK$1.86M · loan HK$4.33M · min. income ≈ HK$41,962/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$153,441 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,964
−HK$1,186/mo
▼ 0.25% · 3.875%
HK$22,553
−HK$597/mo
Today · 4.125%
HK$23,150
baseline
▲ 0.50% · 4.625%
HK$24,371
+HK$1,221/mo
Deposit HK$1.86M · loan HK$4.33M · min. income ≈ HK$46,300/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$153,441 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,384
−HK$1,591/mo
▼ 0.25% · 3.875%
HK$26,173
−HK$802/mo
Today · 4.125%
HK$26,975
baseline
▲ 0.50% · 4.625%
HK$28,617
+HK$1,642/mo
Deposit HK$618K · loan HK$5.57M · min. income ≈ HK$53,950/mo (50% DSR)
Upfront cash ≈ HK$772K (deposit + AVD stamp duty HK$153,441 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,239
−HK$1,526/mo
▼ 0.25% · 3.875%
HK$28,996
−HK$769/mo
Today · 4.125%
HK$29,765
baseline
▲ 0.50% · 4.625%
HK$31,334
+HK$1,569/mo
Deposit HK$618K · loan HK$5.57M · min. income ≈ HK$59,530/mo (50% DSR)
Upfront cash ≈ HK$772K (deposit + AVD stamp duty HK$153,441 · 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).