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$14,100
−HK$884/mo
▼ 0.25% · 3.875%
HK$14,538
−HK$446/mo
Today · 4.125%
HK$14,984
baseline
▲ 0.50% · 4.625%
HK$15,896
+HK$912/mo
Deposit HK$3.09M · loan HK$3.09M · min. income ≈ HK$29,968/mo (50% DSR)
Upfront cash ≈ HK$3.25M (deposit + AVD stamp duty HK$153,338 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,686
−HK$847/mo
▼ 0.25% · 3.875%
HK$16,106
−HK$427/mo
Today · 4.125%
HK$16,533
baseline
▲ 0.50% · 4.625%
HK$17,405
+HK$872/mo
Deposit HK$3.09M · loan HK$3.09M · min. income ≈ HK$33,066/mo (50% DSR)
Upfront cash ≈ HK$3.25M (deposit + AVD stamp duty HK$153,338 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,920
−HK$1,061/mo
▼ 0.25% · 3.875%
HK$17,446
−HK$535/mo
Today · 4.125%
HK$17,981
baseline
▲ 0.50% · 4.625%
HK$19,075
+HK$1,094/mo
Deposit HK$2.47M · loan HK$3.71M · min. income ≈ HK$35,962/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$153,338 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,823
−HK$1,017/mo
▼ 0.25% · 3.875%
HK$19,328
−HK$512/mo
Today · 4.125%
HK$19,840
baseline
▲ 0.50% · 4.625%
HK$20,886
+HK$1,046/mo
Deposit HK$2.47M · loan HK$3.71M · min. income ≈ HK$39,680/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$153,338 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,740
−HK$1,237/mo
▼ 0.25% · 3.875%
HK$20,354
−HK$623/mo
Today · 4.125%
HK$20,977
baseline
▲ 0.50% · 4.625%
HK$22,254
+HK$1,277/mo
Deposit HK$1.86M · loan HK$4.33M · min. income ≈ HK$41,954/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$153,338 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,960
−HK$1,186/mo
▼ 0.25% · 3.875%
HK$22,549
−HK$597/mo
Today · 4.125%
HK$23,146
baseline
▲ 0.50% · 4.625%
HK$24,367
+HK$1,221/mo
Deposit HK$1.86M · loan HK$4.33M · min. income ≈ HK$46,292/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$153,338 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,379
−HK$1,592/mo
▼ 0.25% · 3.875%
HK$26,169
−HK$802/mo
Today · 4.125%
HK$26,971
baseline
▲ 0.50% · 4.625%
HK$28,612
+HK$1,641/mo
Deposit HK$618K · loan HK$5.57M · min. income ≈ HK$53,942/mo (50% DSR)
Upfront cash ≈ HK$772K (deposit + AVD stamp duty HK$153,338 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,234
−HK$1,526/mo
▼ 0.25% · 3.875%
HK$28,992
−HK$768/mo
Today · 4.125%
HK$29,760
baseline
▲ 0.50% · 4.625%
HK$31,328
+HK$1,568/mo
Deposit HK$618K · loan HK$5.57M · min. income ≈ HK$59,520/mo (50% DSR)
Upfront cash ≈ HK$772K (deposit + AVD stamp duty HK$153,338 · 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).