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$14,205
−HK$890/mo
▼ 0.25% · 3.875%
HK$14,646
−HK$449/mo
Today · 4.125%
HK$15,095
baseline
▲ 0.50% · 4.625%
HK$16,014
+HK$919/mo
Deposit HK$3.11M · loan HK$3.11M · min. income ≈ HK$30,190/mo (50% DSR)
Upfront cash ≈ HK$3.27M (deposit + AVD stamp duty HK$157,936 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,802
−HK$854/mo
▼ 0.25% · 3.875%
HK$16,226
−HK$430/mo
Today · 4.125%
HK$16,656
baseline
▲ 0.50% · 4.625%
HK$17,534
+HK$878/mo
Deposit HK$3.11M · loan HK$3.11M · min. income ≈ HK$33,312/mo (50% DSR)
Upfront cash ≈ HK$3.27M (deposit + AVD stamp duty HK$157,936 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,045
−HK$1,069/mo
▼ 0.25% · 3.875%
HK$17,576
−HK$538/mo
Today · 4.125%
HK$18,114
baseline
▲ 0.50% · 4.625%
HK$19,217
+HK$1,103/mo
Deposit HK$2.49M · loan HK$3.74M · min. income ≈ HK$36,228/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$157,936 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,963
−HK$1,024/mo
▼ 0.25% · 3.875%
HK$19,471
−HK$516/mo
Today · 4.125%
HK$19,987
baseline
▲ 0.50% · 4.625%
HK$21,041
+HK$1,054/mo
Deposit HK$2.49M · loan HK$3.74M · min. income ≈ HK$39,974/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$157,936 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,886
−HK$1,247/mo
▼ 0.25% · 3.875%
HK$20,505
−HK$628/mo
Today · 4.125%
HK$21,133
baseline
▲ 0.50% · 4.625%
HK$22,419
+HK$1,286/mo
Deposit HK$1.87M · loan HK$4.36M · min. income ≈ HK$42,266/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$157,936 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,123
−HK$1,196/mo
▼ 0.25% · 3.875%
HK$22,717
−HK$602/mo
Today · 4.125%
HK$23,319
baseline
▲ 0.50% · 4.625%
HK$24,548
+HK$1,229/mo
Deposit HK$1.87M · loan HK$4.36M · min. income ≈ HK$46,638/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$157,936 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,568
−HK$1,604/mo
▼ 0.25% · 3.875%
HK$26,363
−HK$809/mo
Today · 4.125%
HK$27,172
baseline
▲ 0.50% · 4.625%
HK$28,825
+HK$1,653/mo
Deposit HK$623K · loan HK$5.61M · min. income ≈ HK$54,344/mo (50% DSR)
Upfront cash ≈ HK$781K (deposit + AVD stamp duty HK$157,936 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,444
−HK$1,537/mo
▼ 0.25% · 3.875%
HK$29,207
−HK$774/mo
Today · 4.125%
HK$29,981
baseline
▲ 0.50% · 4.625%
HK$31,561
+HK$1,580/mo
Deposit HK$623K · loan HK$5.61M · min. income ≈ HK$59,962/mo (50% DSR)
Upfront cash ≈ HK$781K (deposit + AVD stamp duty HK$157,936 · 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).